New VISA Credit Cards and New Rewards Are Coming Soon

We are updating our credit card portfolio and rewards platform. Here is what you need to know.

Our MSCU VISA Gold Card Members

We will be migrating all MSCU VISA Gold card members to our new SMART Rate VISA card.

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Note: This card does not have reward points. All current VISA Gold cardholders' reward points will disappear as of August 13, 2025. Please enroll or log in to MSCU Rewards before August 12 to redeem them.

Key Dates

Now – August 12: Redeem your current reward points on the MSCU Rewards platform.
August 13: Any unredeemed points will expire.
September 1: Your account transfers to a SMART Rate VISA—same account number, same 9.90% rate.

Our MSCU VISA Classic Card Members

We will migrate all MSCU VISA Classic card members to our new MSCU Rewards card.

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This card is designed for members who use their card every day and like to have the benefits of accumulating reward points. All current points will be transferred to the new MSCU Rewards platform.

Key Dates

Now – August 12: Redeem your current reward points on the MSCU Rewards platform.
August 13: Any unredeemed points will expire.
August 13 – September 1: Reward accrual pauses during the platform transition.
September 1: Your account transfers to an MSCU Rewards Card—same account number, same 11.90% rate.

Our MSCU VISA Secured Card Members

We will migrate all MSCU VISA Secured card members to our new Elevate VISA card.

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This card is simple, low-rate, and hassle-free, designed for people who are building or rebuilding credit. Note: It has no reward points, and existing Secured card points expire on August 13, 2025. Please enroll or log in to MSCU Rewards before August 12 to redeem them.

Key Dates

Now – August 12: Redeem your current reward points on the MSCU Rewards platform.
August 13: Any unredeemed points will expire.
September 1: Your account transfers to an Elevate VISA—same account number, same 11.90% rate.