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Mid Carolina Credit Union credit cardChecked Oct 10, 2026Updated Our illustration, not the card’s design

Mid Carolina CU Credit Card Program

No annual fee. Purchase APR 7.45–18%, variable.

Annual fee
Purchase APR
Foreign transaction fee
Read the card agreementRates and fees

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What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$120$120
Typical spender$300$300
Heavy spender$660$660
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

How it compares

  • No annual fee, like about 100% of the 49 cards on our No annual fee list (see the list).
  • Worth more to a typical spender than about 75% of the 647 cards we track.
  • Lower top APR than about 70% of the 579 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Before you apply

  • What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  • Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

How you earn · uChoose Rewards

  • 1× pointsEverything else

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Foreign transactions
Grace period

Carrying a balance? See how long it takes to pay off

Benefits

  • Visa Zero Liability policy for unauthorized purchases.
  • Worldwide acceptance at millions of locations, including online and over the phone.
  • Free online banking and fraud and spend tracking through the card-management tool within mobile banking.

Questions

What is the annual fee?
None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 0.8%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
7.45–18.00% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026

Other points cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).