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Signature Benefits, Signature Rewards

Our most rewarding credit card offers competitive rates, a host of perks and benefits, and cash back rewards.
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Overview

Want a great rewards credit card?

MIDFLORIDA’s Visa Signature offers plenty of extras just for using your card, including cash back on everyday spending.2

$0 Annual Fee
No fee cash advances within online banking
2.0% cash back on purchases2

Apply Online

Apply online, visit a branch or call us to apply at (863) 284-5626 or toll free (855) 560-5626.

Instant-Issue Cards

Need a new card now? Walk into any branch to apply and walk out with a new card today.  All branches can print your new card on-demand!1

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Features

Explore all the benefits

Extra Card Services

Personalized card and account options
Manage your credit card your way with these convenient features.

Terms of Service

Rates, costs and fees for the Visa Signature Card.4
Annual Percentage Rate (APR) For Purchases 16.99%-18.00% APR Introductory Rate for the first 12 monthly billing cycles depending on your credit rating and other factors. After that, your APR will be 16.99%-18.00%. Your rate may increase in the 13th month if Prime increased during the Introductory Period. Thereafter, it will vary with the market based on the Prime Rate.
APR for Cash Advances and Balance Transfers 16.99%-18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.
 
Penalty APR and When It Applies 18.00% This APR may be applied to your account if your account becomes late 60 days or more. However, if your standard rate is 18.00%, the Penalty APR will not apply.

How Long Will the Penalty APR Apply?
You must make 6 payments in a row on time to cancel the penalty rate and have your APR lowered to the rate in effect at the time the 6th on-time payment is made.
Paying Interest  Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
Fees to Open or Maintain Your Account  None
Transaction Fees
Balance Transfer $20.00 or 2% of the amount of each transfer, whichever is greater.
Cash Advance $20.00 or 2% of the amount of each cash advance, whichever is greater. Fee waived for cash advances in online banking. 
Foreign Transaction 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.
Penalty Fees
Late Payment Up to $25.00 if your payment is late.
Over-the-Credit Limit  None
Returned Payment Up to $25.00 if your payment is returned for any reason.
   

How we will calculate your balance

We use a method called “average daily balance (including new purchases)."

Loss of introductory rate

The Introductory Rate will be cancelled and the Penalty APR disclosed above will apply if you become 60 days or more past due.

Prime Rate

We use the highest Prime Rate listed in The Wall Street Journal on the last business day of each month.

Overdraft Protection

If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 16.99% – 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate. In addition, a $10.00 fee will also be added and will accrue interest at the same rates.

Credit Card Disclosure Request

To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.

Report a lost or stolen Credit Card

To report a lost or stolen Credit Card, please call (866) 820-3935 available 24 hours a day, 7 days a week.

Visa Signature Terms and Conditions

Notices & Disclosures
1
Business credit cards and card upgrades cannot be issued instantly at a branch and must be mailed.
2
Cardholders will earn 2.0% cash back on net qualified purchases (purchases minus returns/credits) made on the credit card account. Qualified Purchases do not include: Balance Transfers, Cash Advances (including Convenience Checks), ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, or Fees. The maximum cash back rewards per billing cycle are limited to $500. Cash back rewards may be canceled or changed at any time.
3
Applies when you use your Visa Signature credit card to pay for purchase, monthly service plan or travel.
4
Please see the disclosure that is given to you. The information about costs of the card is accurate as of June 1, 2023 and is subject to change after this date. Please contact us at Card Services Department, P.O. Box 8008, Lakeland, FL, 33802, for any changes in this information. Additional terms and limitations apply.
5
Membership and eligibility requirements apply.