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Credit Cards

Purchasing power, perks, and convenience.

Get a contactless Visa® Credit Card from Magnifi Financial. Our rates start low and stay low. Plus, you'll always get the same low APR for purchases and cash advances. Get your card printed immediately at any of our convenient branches.

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Using your Magnifi Financial credit card is simple

Features of all Credit Cards include:

  • No annual fees
  • No early-payment fees
  • Make multiple payments in a month
  • Free Visa® credit card issued instantly at all branches
  • Digital banking account with free Mobile App
  • Digital wallet service

Which card is right for you?


The perfect card to help build credit
13.90% APR


Pay less in interest with a low APR
9.90% APR


Earn 1% CASH BACK on all purchases
15.90% APR

Click here to download the Credit Card Agreement and Disclosure
Classic A Disclosure
APR = Annual Percentage Rate {rates are subject to change}

Get Started

Apply online

Apply Online

New Members: Complete an application online.

Apply Now


Visit a local Magnifi Financial branch

Local Branch

Magnifi Financial has 25 local branches throughout Minnesota.

View Locations

Contact a Magnifi Financial team member

Contact Us

Talk to a Magnifi Financial team member. View Hours

Call Us

Schedule An Appointment for a Virtual or In-Person Meeting

Maximize your credit card

Magnifi Financial's digital banking and services can help you optimize your finances by giving you the ability to access and manage your funds from anywhere.


Visa Purchase Alerts

Visa Purchase Alerts

Help reduce fraud and monitor your spending anytime, anywhere. With near real-time alerts, you can receive updates on your Visa card activity through text messages and email*.

Sign Up

Using digital wallet on phone to pay

Digital Wallet

Using digital payment services such as Apple and Google Pay is simple, secure and it works with the devices you use every day.

Learn More

ID Navigator Powered by NortonLifeLock

ID Navigator Powered by NortonLifeLock

Your Magnifi Financial card includes ID Navigator Powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.

Confirm Eligibility

*Actual time to receive Alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply. Data carrier rates may apply.

Additional Products and Services

Check out all of the other options you can utilize with Magnifi Financial's suite of products and services! Our team will work with you individually to ensure you're on track to reaching your financial goals.

Digital Banking

Optimize your accounts with our digital banking platform.


Choose from 3 different free checking accounts


Invest your hard-earned money and watch it grow.


Achieve your financial goals with a variety of loans.


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Join the Magnifi Family!

At Magnifi, you're not just a member-owner of an award-winning credit union, you become part of the Magnifi family and receive all the benefits and perks you need to succeed financially.

Am I Eligible? Become a Member