Finding the Right Visa Credit Card for You
December 1, 2022
Are you in need of a new credit card but don’t know how to go about finding one? We have three steps to help you navigate Visa Credit Cards and find which one may be the right choice for you.
1. Review Your Credit
When looking for a Visa Credit Card that is right for you, start by first checking your credit score. This is important so you can find out what credit cards you might be eligible for. The better your score, the more likely you’ll be approved for cards with better perks. If you have an existing MSUFCU Visa Credit Card, we provide free access to your credit score both through ComputerLine® and on our Mobile app.
If the number isn’t what you expected, try checking your credit reports to see what’s causing the problem. Your report can be found at credit bureaus including Experian, Equifax, and TransUnion. You can then take measures to improve your credit score, whether it be changing your spending habits or contacting your credit bureau to address an error impacting your credit score.
2. Identify Your Needs
In order to identify your credit card needs, take some time to evaluate your current situation and spending habits. Ideally, you’ll want a credit card that not only reflects your current credit situation, but also will reward you for your everyday purchases.
For example, if you are someone who is just starting their credit journey, a credit card with the main purpose of helping you build credit might be a good choice. On the other hand, if a large portion of your spending is on groceries, a card that offers cash back on grocery store purchases could match your needs best.
3. Evaluate Your Options
Once you have reviewed your credit score and identified your needs, it is time to start evaluating your Visa Credit Card options. When evaluating the pros and cons of a credit card, asking yourself these questions may be useful:
- Will this card help me build my credit?
- Does this card match my needs and spending habits?
- How much does it cost to open an account?
- Does this card offer rewards?
MSUFCU Visa Credit Card Options
If you’re in the market for a new Visa Credit Card, MSUFCU has great options for everyone! A few Visa options we have available include:
- Visa Signature® Credit Card (3% cash back on groceries, 2% cash back on gas, travel, and universities, and 1% cash back on all other purchases)
- Platinum Plus Visa Credit Card (1% cash back on all purchases)
- Platinum Visa Credit Card (no application, annual or balance fees)
See what MSUFCU Visa Credit Card option is best for you by visiting msufcu.org/visa.