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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Preferred Mastercard
Everyday Spending Pays
Our most rewarding credit card offers no annual fee1, competitive rates, a host of perks and benefits, and cash-back rewards.
Apply Online
At A Glance
Rewards Are Waiting
MIDFLORIDA's Preferred Mastercard offers plenty of extras just for using your card, including cash back on everyday spending. It's the perfect card for making the most out of every purchase.
Card Controls
Turn your card on or off in the app and set controls for spending and purchases.
Payment Options
Make one-time or recurring payments through the app whenever it works best for you.
Mobile Wallet
Add your MIDFLORIDA card to Apple Pay, Google Wallet, and more for contactless checkout online, in apps, and in stores.
features
Helpful Account Options
Explore the features that make our credit cards a smart choice for managing your finances with confidence.
Special Offer
1.5% Cash Back Rewards
Earn 1.5% cash back on everyday purchases with our Preferred Mastercard. You have the flexibility to redeem your cash back at any time as either a deposit into your MIDFLORIDA account or as a statement credit.1
mobile app
Manage Your Money Anytime, Anywhere
Our mobile app puts your credit card at your fingertips! Check your account anytime, add your card to your mobile wallet, control your card instantly, get real-time alerts, and make quick payments, all in one easy, secure place.
Benefits
Do It All With Your MIDFLORIDA Card
Check out these exclusive benefits that come with your MIDFLORIDA credit card.
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.
Calculator
Estimate Potential Savings
We may be able to save you money when you transfer high-interest credit card balances you have elsewhere to your MIDFLORIDA credit card.
Other Products & Services
Explore More Banking Options
MIDFLORIDA offers a range of valuable products and services designed to meet all your financial needs.
Preferred Mastercard FAQs
We use a method called "average daily balance (including new purchases)."
An Introductory Rate will be cancelled, and the Penalty APR disclosed above will apply if you become 60 days or more past due.
We use the highest Prime Rate listed in The Wall Street Journal on the last business day of each month.
If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 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.
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.
To report a lost or stolen credit card, please call (866) 820-3935, available 24 hours a day, 7 days a week.
Cash back rewards may be redeemed at any time through Free Online Banking or our mobile app. You may redeem all or a portion of your rewards earned to date or you may let them accumulate. Redeem your rewards as a deposit into your MIDFLORIDA savings or checking account or as a statement credit. Cash back rewards expire after 4 years.
Reward rebates expire four years from the end of the calendar year in which they are earned and expire on a first-in, first-out bases. Rebates earned in year one will expire at the end of calendar year four.
Paying off credit card debt is not an easy undertaking. Use our Credit Card Payoff Calculator to see how long it will take to say goodbye to this debt.
The Automatic Billing Updater service will automatically update old card numbers with merchants who keep your card on file, so payments can process without interruption or action from you.
You may opt out of the service to keep your card from automatically updating.
How it works
Terms of Service
Rates, costs, and fees for our Preferred Mastercard.1
|
Annual Percentage Rate (APR) |
18.00% |
|---|---|
|
APR for Cash Advances and Balance Transfers |
18.00% |
|
Penalty APR and When It Applies |
None. |
| 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 and PENALTY FEES | |
| Balance Transfer | $20.00 or 2% of the amount of each transfer, whichever is greater; 1% with no minimum fee if completed through MIDFLORIDA's online banking. No fee if completed within 30 days of account opening. |
| Cash Advance Fee | $20.00 or 2% of the amount of each cash advance, whichever is greater; 1% with no minimum fee if completed through MIDFLORIDA's online banking. No fee if completed within 30 days of account opening. |
| 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. |
| 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. |
| Additional Information | Preferred Mastercard Terms and Conditions PDF |
1. Please see the disclosure that is given to you. The information about costs of the card is accurate as of July 1, 2026 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. Cardholders will earn 1.5% 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. Reward rebates expire four years from the end of the calendar year in which they are earned and expire on a first-in, first-out basis. Rebates earned in year one will expire at the end of calendar year four.
*Guide to Benefits for MIDFLORIDA Mastercard® Cardholders. Benefits described on this page are provided by Mastercard and governed by the official Guide to Benefits. MIDFLORIDA does not administer these benefits and is not responsible for any changes made by Mastercard. For questions or to file a claim, call 1-800-Mastercard (1-800-627-8372) or visit www.mastercard.com.
