Michigan Schools and Government Credit UnionMSGCU REWARDSRegistry illustration · issuer artwork unavailable
MSGCU REWARDSMichigan Schools and Government Credit Union · state credit union, MI · NCUA 62049
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Purchase APR
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Balance transfer
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Cash advance APR
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual feeMICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual fee”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | $0, No fee for balance transfers or cash advancesMICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No fee for balance transfers or cash advances”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | $0, No fee for balance transfers or cash advancesMICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No fee for balance transfers or cash advances”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | 1% of the amount, †Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. A 1% fee (in U.S. dollars) on foreign purchases applies. See MSGCU Representative for details.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “†Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. A 1% fee (in U.S. dollars) on foreign purchases applies. See MSGCU Representative for details.”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Opening conditions | †Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. A 1% fee (in U.S. dollars) on foreign purchases applies. See MSGCU Representative for details. MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “†Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. A 1% fee (in U.S. dollars) on foreign purchases applies. See MSGCU Representative for details.”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Signup bonuspoints award | 2,500 points. Qualifying purchase amount is not disclosed. Qualify within 60 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. **Available for MSGCU Rewards Visas opened after 1/2/2020. Complete the following within the first 60 days of account opening to earn up to 5,000 points: 2,500 points with the first purchase and 2,500 points after the first 20 purchases.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “**Available for MSGCU Rewards Visas opened after 1/2/2020. Complete the following within the first 60 days of account opening to earn up to 5,000 points: 2,500 points with the first purchase and 2,500 points after the first 20 purchases.”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Signup bonuspoints award | 2,500 points. Qualifying purchase amount is not disclosed. Qualify within 60 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. **Available for MSGCU Rewards Visas opened after 1/2/2020. Complete the following within the first 60 days of account opening to earn up to 5,000 points: 2,500 points with the first purchase and 2,500 points after the first 20 purchases.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “**Available for MSGCU Rewards Visas opened after 1/2/2020. Complete the following within the first 60 days of account opening to earn up to 5,000 points: 2,500 points with the first purchase and 2,500 points after the first 20 purchases.”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. Earn 1.5% cash back on all purchases.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 1.5% cash back on all purchases.”MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |