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All MIDFLORIDA branches and Help Desk will be closed on June 19 in observance of Juneteenth.

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COMING SOON: A new branch is coming to Fort Myers!

Learn more about our new location.
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Credit cards

Take charge of your credit with a low-rate card

Whether you're building credit or looking for better value, MIDFLORIDA offers credit cards with no annual fee,1 tap to pay, low fixed interest rates and rewards.  

Exciting changes are coming. Our credit cards are transitioning to Mastercard with more benefits ahead. To prepare for the launch, new credit card applications are temporarily paused and will reopen July 1.

Overview

A Credit Card for Every Lifestyle

Not every credit card fits the way you spend. MIDFLORIDA offers options for different goals, with benefits like low interest rates, rewards, and no annual fee.1

Instant‑issue credit cards are temporarily unavailable and will resume in July.

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Mobile Wallet

Add your MIDFLORIDA card to Apple Pay, Google Wallet, and more for contactless checkout online, in apps, and in stores.
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Mobile App

Check transactions, make payments, deposit checks, and manage your card on the go with the free MIDFLORIDA app.
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No Annual Fee

Keep more of your money in your pocket with no annual fees.
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Card Controls

Turn your card on or off in the app and set controls for spending and purchases.
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Free Text Alerts

Get real-time text alerts about purchases and account activity, so you can stay on track.
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Payment Options

Make one-time or recurring payments through the app whenever it works best for you.
Compare cards

Which Credit Card Is Right For You?

Compare MIDFLORIDA credit cards by what matters most to you: low interest rates, rewards, or building credit. With helpful tools like online account access and fraud alerts, it’s easier to track spending and stay in control.

Visa Platinum

Our lowest rate card with no annual fee1 and an introductory balance transfer offer. This is the perfect option if you carry a balance.
Explore Visa Platinum

Visa Signature

A rewards credit card can help you earn cash back on everyday purchases. Cardholders also enjoy valuable benefits that make travel and online shopping easier.
Explore Visa Signature

First Time Visa

Getting your first credit card is a big financial milestone. This card can help you build credit and develop smart spending habits early.
Explore First Time Visa
personalized support

Expert Guidance Every Step of the Way

Not sure which MIDFLORIDA credit card fits your goals? Our team can help you compare options, understand key details, and apply with confidence. Call (863) 284-5626 or toll free (855) 560-5626.
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Estimate Your Potential Transfer Savings

See how much you could save by moving debt from a high-interest credit card to a new MIDFLORIDA credit card with a low introductory rate.

other products and services

Explore More Banking Options

Discover additional lending solutions designed to fit your unique needs.

Auto Loans

New or new to you—get the financing you need to buy your new car with our quick and easy online loan application.
Explore Auto Loans

Personal Loans

Discover loan solutions for every need, with competitive rates and fast approvals designed to make the process quick & easy.
Explore Personal Loans

Home Equity Loans

Use your home's value to access funds for renovations, education costs, or other major goals.
Explore Home Equity Loans

MIDFLORIDA Credit Card FAQs

A low interest credit card is designed to help reduce interest costs, especially if you expect to carry a balance month-to-month.

A low interest credit card can be a good fit if you expect to carry a balance, want to reduce interest costs, or plan to pay down existing credit card debt over time. It can also help if you’re consolidating balances with a balance transfer and focused on paying the balance down faster.

A balance transfer moves debt from another credit card to your new card. It can help you consolidate balances and potentially reduce interest while you pay the balance down.

Cash-back rewards give you a percentage back on eligible purchases. You can usually redeem rewards as a statement credit or deposit, depending on the card.

The interest rate can vary based on your credit rating and other factors.
1. Membership and eligibility requirements apply. Variable APRs range from 12.99%-18.00%, based on creditworthiness. The information about costs of the card is accurate as of June 1, 2026 and is subject to change after this date. Other fees may apply; please see the disclosure that is given to you.

Still Have Questions?

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