Credit Cards

If you’re a practical person, someone who is smart about money, then you’re going to want to get and use the Meridian Trust Visa Credit Card. It just makes sense. If you’re the type of person who happens to carry a balance from month to month, then you’ll certainly appreciate the low interest rate. That will save you a lot of money over time. If you’re someone who pays off their balance each month, then you’ll appreciate the fact that there’s no annual fee. And no matter who you are, we’re certain you’ll appreciate the fact that if you have any questions about your credit card, that you can reach out to your local credit union personnel, the same people you interact with regularly. Now that’s smart!

For those who qualify for the Meridian Trust Platinum Card, you'll enjoy the benefits of MyMeridian Rewards. This program allows you to earn 1 point for every 1 qualified dollar spent. You can accumulate points to redeem later for your choice of: Cash; Gift Certificates; Merchandise; and Travel. Points earned expire 36 months after purchase date, if not redeemed. Complete Program Rules are available at the bottom of the MyMeridian Rewards page after you log in through Online Banking. 

  • Carrying a Meridian Trust Visa Credit Card has many advantages, including:

    • No annual fee
    • A low fixed rate
    • No balance transfer fee
    • Worldwide acceptance
    • Local service
    • Our Platinum Credit Cards come with Rewards
    Image of Classic Credit Card
    Classic Visa Credit Card

    Image of Platinum Visa Credit Card
    Platinum Visa Credit Card


    You can use your card with confidence. The Meridian Trust Visa Credit Card is accepted everywhere and you will have zero liability if you contact us promptly if the card is lost or stolen. Our credit cards include EMV Chip for security, learn more below.

    Button image, it says "Apply Now"

    Lost or stolen credit card? Call 1.888.297.3416  (within the U.S. and Canada), 1.206.389.5200  (outside the U.S. and Canada, call collect) or log into your online banking account.

    Activate a credit card? Call 1.800.290.7893 (within the U.S. and Canada), 206.624.7998 (Outside the U.S. and Canada, call collect) or log into your online banking account.

    Set or change your PIN number on your debit card:  Call 1.800.290.7893 (within the U.S and Canada) or 206.624.7998 (outside the U.S. and Canada, call collect).

    Traveling? Call 800.726.5644 (within the U.S. and Canada). Effective February 1, 2021, your Meridian Trust Credit Card (Platinum, Classic or HELOC), will no longer provide Auto Rental Collision Damage Waiver benefits. All other card benefits will remain in place. Download the Visa Credit Card Agreement (PDF) for descriptions of your card benefits or call 800.726.5644 to request a copy by mail. 

    After Hours Decline Line: Call 1.855.854.5468

    MyMeridian Rewards Support: Call 1.855.854.5493 (within the U.S. and Canada) or 1.206.352.3478 (outside the U.S. and Canada, call collect) or send an email

    Meridian Trust uses Card Member Security to monitor activity on our members' credit cards and will notify us, and you, of any suspicious transactions. When fraudulent card activity is suspected you will be contacted immediately by a fraud analyst to verify the transaction.

    Meridian Trust offers Verified by Visa to put you in control when shopping online. Verified by Visa is a free service offering secure Internet shopping at many online stores allowing you to add a personal password to your existing credit card, getting added security and the reassurance that only you can use your card online. Register your credit card with Verified by Visa.

    Rates (Fixed Rate)

    Purchases (Rates APR*) Cash Advance & Balance Transfers (Rates APR*)
    Platinum 10.99% 10.99%
    Classic 14.99% 14.99%

    *Annual Percentage Rate. Rates shown are effective June 17, 2019. All rates are subject to change without notice.

    Classic Card issued to qualifying members with credit scores up to 680; Platinum Card issued to qualifying members with credit scores 680 or above.

    Penalty APR None
    Minimum Interest Charge None
    How to Avoid Paying Interest on Purchases Your due date is at least 28 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website.
    Annual Fee None
    Transaction Fees
    • Foreign Transaction Fee
    1.00% of each transaction in U.S. dollars
    Cash Advance Fee** 3.00% of transaction amount 
    Penalty Fees
    • Late payment
    • Returned payment
    $25 if you are more than 10 days late

    *APR=Annual Percentage Rate. Rates effective February 1st, 2019. Age 18 or older, membership and credit qualification required. Rates subject to change without notice.
    **Cash Advance Fee of 3.00% of transaction amount is effective on January 1st, 2019.

    Credit qualification, age 18 or older, and membership required.

  • Because your security is important to us, all Meridian Trust Credit Cards feature EMV Chip technology.

    The EMV cards add improved security and fraud protection for you, with an embedded computer chip that works with the EMV card reader technology. This technology is securing payment cards in countries around the world and has been adopted as the card standard in the United States. You still may be required to enter your card’s PIN or sign for transactions. Your card will also work on payment terminals that require a swipe of the magnetic strip.

Read the Visa Credit Card Agreement (PDF)
Read the Visa Platinum Disclosures (PDF)
Read the Visa Classic Disclosures (PDF)

For more information on EMV Chip Cards, Credit Card Rewards, or to apply for your credit card; stop by your local branch, call 1.800.726.5644 or email us.