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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.


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. We won't limit you to just a few categories or the amount you can earn - every qualified purchase will earn cash back, every time!

$0 Annual Fee
$100 BONUS with new card3
2.5% 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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Explore all the benefits

Terms of Service

Rates, costs and fees for the Visa Signature Card.6
Annual Percentage Rate (APR) For Purchases 11.74%-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 11.74%-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 3.99% introductory APR for 24 months4 from the date of account opening. After that, your Standard APR will be 11.74%-18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.

Use By Date
Balance transfer or cash advance must be added to your account within 12 months of the date of account opening for the introductory APR to apply to the transaction. Balance transfers or cash advances posted after that date will not receive the introductory APR. Instead, the standard APR for your account will apply. The standard APR may be different for cash advances and balance transfers and will be disclosed to you at the time your account is opened.
Penalty APR and When It Applies 17.99% 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
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.
Snapshot Photo Card Fee First card free for each user. $5.99 per individual card thereafter.

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 11.74% – 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
Business credit cards and card upgrades cannot be issued instantly at a branch and must be mailed.
Cardholders will earn 2.5% cash back on net 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.
$100 bonus after you spend $2,000 in purchases in the first 90 days. Available on new credit card accounts only.
Promotion valid as of December 15, 2020. Membership and credit approval required. Promotion cannot be combined with any other offer. After 24 months, the applicable rate may be variable 11.74% to 18.00% Annual Percentage Rate (APR) depending on creditworthiness. Transfers of amounts already owed to MIDFLORIDA are not eligible for the introductory rate. If you transfer an amount related to a transaction you dispute, the dispute does not transfer to us, and you may lose your rights against the other creditor. If you usually pay your purchases in full within the grace period each month to avoid a finance charge, transferring a balance to your account will eliminate the grace period unless you pay the full balance each month. Introductory Annual Percentage Rate (APR) valid for 24 months from account opening for new accounts only.
Applies when you use your Visa Signature credit card to pay for purchase, monthly service plan or travel.
Please see the disclosure that is given to you. The information about costs of the card is accurate as of November 1, 2020 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.