Our New Credit Card Has Arrived!

Our New Credit Card Features Include:
 

  • Continued Superior Service
     

  • No Annual Fee
     

  • Reliable Fraud Protection
     

  • Flexible Cash Rewards on American Express Cards
     

  • Access to your account online -Click here.

    • Lock and Unlock cards online
    • Report cards lost/stolen
    • View Credit Card Statements/Balances
    • Set up Auto Pay
    • Make Payments
    • Set up Travel and other alerts


Scroll down to read Important Facts about our new credit cards.

 

Important Facts to know about Our New Credit Card:

 

1. When can I start using my new card?

As soon as you receive your new card you can active it and begin using it. Please remember to destroy your old card!


2. When should I stop using my current card?

Your current card will no longer work as of October 10th, regardless of the expiration date shown on your card.

 
3. I have not received my new Card.

If you have not received your new card, please contact Cardmember Service, 24 hours/7 days per week, at 1-800-558-3424 to request a replacement card.

 

4. Payment of my credit card bill is done automatically, every month, via Auto Pay? Will this service continue?

No, this service will not automatically convert to your new MIT Federal Credit Union Credit Card Account with Elan. To avoid any late charges,  mail your credit card payment prior to the payment due date, to the address on your most recent credit card statement from MIT Federal Credit Union.  Directions on how to enroll in Auto Pay  will be arriving soon.

 

5. If I do not accept the new terms, how do I opt out of the changes to my account?

If you wish to cancel the card before October 10th, please call a cardmember service representative at 1-800-242-4271.

 

6. What will happen to my current balance?

Any outstanding balances on your current card will transfer automatically to your new credit card.

 

7. Will my payment date change?

Your new payment due date will be the 24th of every month.  If you wish to select a new payment date, you can contact Cardmember Services at 1-800-523-5354 once you receive your first statement to request a change.

 

8. Will there be a payment grace period?

No late fees will be applied to your account for the first 60 days of your new Visa Card. Interest will still accrue on your account.  

 

9. Where do I mail my payment?

Mail your payments to the address below:
      Cardmember Services
      P.O Box 790408
      St. Louis, MO  63178-0408

 

Our credit cards offer many benefits, no matter which credit card you choose! Below is an outline of the benefits offered by each of our cards. 

Paying Down Balances

Visa® Platinum Card

-Save on interest

 

Flexible Cash Rewards

Cash Rewards American Express® Card

-3% cash1 back on the first $6,000 in eligible purchases made each year at gas stations2,4

-2% cash back on eligible supermarket net purchases

-1% cash back on all other eligible net purchases

-$25 cash back awarded after first purchase

 

Rewards to Use The Way You Want

Visa® Real Rewards Card

-Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5

 

Premier Rewards American Express® Card

-Earn 4 points for every $1 spent on eligible net restaurant purchases6

-Earn 3 points for every $1 spent on eligible net gas purchases

-Earn 1 point for every $1 spent on eligible net purchases

 

Building Your Credit

Visa® College Real Rewards Card

-Earn 1.5 points monthly for every dollar you spend on eligible net purchases5

 

Visa® Secured Card

-Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account

Have you decided? Why not apply right now? 

Stay Connected

  • Consumer card support: 1.800.558.3424
  • Signature card support: 1.866.234.4691
  • Business card support: 1.866.552.8855

 

Rewards Center
1.888.229.8864 

Online account access: myaccountaccess.com

 

1 Reward points can be redeemed as a cash deposit to a checking or savings account with MIT Federal Credit Union or as a statement credit to your credit card account within one to two billing cycles.
2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 Late payments and going over the credit limit may damage your credit history. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.