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Credit Card

Your wallet’s never empty with VISA® Credit Cards from MSDFCU.

Visa Platinum, Visa Platinum Rewards & Visa vigorTM Signature Rewards - MSDFCU Visa cards are convenient for everyday use and for life’s unexpected moments. Our cards offer many benefits and include state-of-the-art security to help keep your account safe.

VISA vigorTM Signature Rewards

Visa Vigor Card Example

Introductory Offer

Earn 3 CURewards Points1 on every dollar you spend. Within the first 90 days of account opening. Points can be redeemed for cash back, merchandise & more.
0% APR on purchases* for 365 days from account open date.

0% balance transfer APR* for 15 months. 2% fee for balances transferred within 90 days from account open date.

Subject to credit approval


Each month you will earn 1.5 points per $1 spent up to $1,500 in purchases, and you will earn 2 points per $1 spent on purchases above $1,500


With our new vigorTM card, you'll get a minimum credit limit of $5,000 and up to $75,000.


Visa Signature Card Concierge the Concierge Representatives have a wealth of knowledge and resources to assist cardholders.

VISA Platinum Rewards

Visa Platinum Rewards Card Example

You earn 1 point per $1 spent. Points are redeemable for cash back, travel, merchandise and gift cards.

VISA Platinum

Visa Platinum Card Example

Don't Need Rewards? Our lowest variable rate card without rewards, could be ideal for first time credit card user or someone looking to build credit.

With Every MSDFCU Card, Enjoy:

No Annual Fee

No Annual Fee


Contactless Tap and Go Convenience


Digital Wallet Acceptance


Account Alerts via Text or Email


No Foreign Transaction Fees


Cardholder Protections VISA® Zero Liability Policy

CURewards - Ways To Earn

Points are redeemable for Cash back, travel services, and merchandise. Points can be aggregated simply by contacting our card services department and requesting the points be linked into one CURewards account.

Personal Identification Number

If you do not have a PIN for your credit card or do not remember your PIN, contact 888-886-0083

If you do not have a PIN for your debit card or do not remember your PIN, contact 866-985-2273

Travel Notices  

To help prevent fraud when traveling, set notices in Digital Banking under Card Management or contact us ahead of your scheduled trip, especially outside the United States.

Lost or Stolen Credit Cards

Call 1-800-449-7728, 24 hours a day, seven days a week.

VISA Links
  • Visa Secure – a program that helps confirm your identity when you make an online purchase at participating merchant sites.
  • VISA Zero Liability – rest easy knowing you won't be held responsible for fraudulent charges when you notify us immediately.
  • Federal Reserve Credit Card Facts – Help you make good financial choices when it comes to credit cards.
  • Visa Balance Transfer – No unexpected charges. No balance transfer fees.
  • Enroll in Visa Checkout – with your Merck Sharp & Dohme Federal Credit Union card.
  • Visa Account Updater – Visa will automatically update your card information whenever it changes to help prevent the interruption of your recurring payments.
  • Visa Contactless Tap and Go – You can tap to pay with your MSDFCU Visa contactless chip card for a secure, convenient and touch-free way to pay. Just look for the Contactless Symbol at checkout.
  • Visa Signature Card Concierge – The Concierge Representatives have a wealth of knowledge and resources to assist cardholders in finding the right solution for the task at hand.
Frequently Asked Questions

How do I activate my card?
If you recently received a new MSDFCU Credit card, you can securely activate it by calling 1-800-527-7728.

How can I view my credit card balance info transaction history or set other controls?
Log in to MSDFCU Online & Mobile Banking to manage your account activity and card controls, or download our My app to track card activity.

How can I redeem my Cashback Rewards?
Visit, which can be accessed through Online and Mobile Banking. 

NOTE: If this is your first time using the site, click “Enroll” and enter your 16-digit card number in the “Account Number” field of the registration form. You will also be asked to set up a new security code for the Rewards site; do not use your card PIN or other previous codes.

Misplace your debit or credit card? While looking for it, you may put a temporary block on it. How to block/unblock your debit or credit card:

Log into online banking or our mobile app
Go to Card Management > “Manage your Cards”
Toggle to the card you would like to put the temporary block on and select “Block this Card”.
If you would like to remove the block, follow the same steps and select “Unblock this Card”.

What if my credit card is lost or stolen?
Notify us immediately. Call 1-888-918-7313 anytime. 
Only the card reported lost/stolen will be blocked. Contact local law enforcement and report your loss. Record your report case number and the name of the person taking the report. We may ask you for this information.

What if I think someone has stolen my identity?
If you have further questions or want to speak to a Member Service Representative, please call us at 215-996-3700 or email us.

Do All MSDFCU Visa Cards come with the EMV Chip?
Yes, MSDFCU is committed to the security of your Credit Card transactions. A chip transaction adds another layer of protection to cards, protecting your card from unauthorized use.

Do I need to alert MSDFCU before traveling outside the country?
Yes. Let us know as soon as possible. Call 215-996-3700 or set travel notifications through Online/Mobile Banking so we can help you avoid access issues to your card while traveling. 

How long will it take for my new MSDFCU Visa card to arrive?
You'll receive your card in the mail within 7-10 days after you're approved.

Fraud Alert FAQ's

What are fraud alerts?
Fraud alerts are automated phone calls, text messages, and emails sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by the Merck Sharp and Dohme FCU fraud detection system. Text messages will be sent to cardholders in the 50 United States at no charge. Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.

Why am I receiving a fraud alert?
Fraud alerts are sent to cardholders when potentially fraudulent transactions are detected on their accounts. We want to ensure that the cardholder authorizes any questionable transactions.

Will fraud alerts contain any personal information?
We will not transmit sensitive personal information through alerts.

Will I get fraud alerts while I am traveling domestically/internationally?
If you are traveling within the U.S., you will receive phone calls, text messages, and emails. If you are traveling internationally, you will receive emails. You will only receive text messages if your mobile phone plan allows you to receive them while traveling outside the United States.

What phone number(s) will receive fraud alerts?
Any phone numbers that Merck Sharp and Dohme FCU have in your records may be sent alerts.

How do I update my contact information (phone numbers, email addresses, etc.)?
1. Visit a local branch.
2. Email with an Account Change Form and Photo ID.
3. Desktop Online Banking. Click on>Profile image>Settings>Contact tab- and update your account information.
4. Mobile App Click on> More …>Setting> Contact and update your account information.

How do I stop receiving fraud alerts? What should I do if I don’t want to get a fraud alert at a certain phone number?
1. You can opt out of text alerts by replying “STOP” to the text message
2. You can opt out of phone calls when the alert system calls you.
3. Click on the Unsubscribe link in the email to stop the emails.
4. Contact our Call Center to ask to stop receiving fraud alerts.
5. Visit a branch to ask to stop receiving fraud alerts.

I accidentally opted out of receiving fraud alerts. How do I opt back in?
If you accidentally opt out of text alerts from a mobile phone, when the digital system calls to verify activity, the system will allow you to opt back into text alerts for the mobile phone. For all fraud alert types, please call the number on the back of your card to re-enable fraud alerts to an email address, a mobile phone, or a landline phone number. You can also visit a branch for assistance.

I have a joint credit card with another cardholder. Why did I not receive a fraud alert? (Or: Why am I receiving fraud alerts when someone else on my account is making a transaction?)
Fraud Alerts are transmitted to the phone number(s) and/or email address associated with the card used during the transaction. If a joint cardholder receives alerts, it is because that cardholder’s phone number and/or email address are associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.

A legitimate transaction triggered a fraud alert. How long should I wait to reattempt the transaction after responding to an alert?
Upon confirming that a transaction is valid, you may retry the transaction immediately.

I accidentally marked a valid transaction as fraudulent. What do I do now?
When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number, and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.

I accidentally responded to an alert that a fraudulent transaction was valid. What do I do now?
Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then mark the transaction as fraud and close the card.

Will I be responsible for paying for the fraudulent charges?
Please monitor your transactions regularly, carefully review your statements, and immediately report any fraudulent activity to us. Responsibility may depend on your card type and should be verified with us immediately.

What should I do if I lose my cell phone and/or obtain a new cell number?
We recommend contacting your wireless service provider if you lose your phone. If you plan to change your cell phone number, please refer to the question above for help updating your contact information.

What happens if I do not reply to a fraud alert via Email, Text, or Phone?
Your card may be blocked for use, and future transactions will be declined until the fraud alert is cleared.

What phone number should I call if I do not have a record of being alerted of suspected fraud and thus do not have the callback phone number?
You may call our Customer Service phone number on the back of your card.

Do I need to sign up to receive fraud alerts?
You will automatically be enrolled to receive all fraud alerts via the contact methods on your account, i.e., email address, cell phone, home phone, work phone, etc.

What if I do not have an email, cell, or landline phone number?
Your account may be blocked due to the potentially fraudulent activity. You may call or visit your financial institution’s branch to review your account activity. It is recommended to have at least one way to be contacted via the fraud alerts system to allow us to reach you quickly to review suspect activity and keep your card available for use.

Are the text commands case-sensitive?
No. Commands can be sent in upper-case, lower-case, or both.

What if my card is lost or stolen?

If your card is lost or stolen, when you are issued a new number, your card account is automatically updated, and you automatically retain the ability to continue receiving fraud alerts.

Is this service safe and secure?
Yes. Our priority is to protect your personal information. When you return a fraud alert message, we will ask for the unique case # for your specific fraud alert.

During what timeframe will the fraud alert calls occur to cardholders?
Call times follow the TCPA (Telephone Consumer Protection Act) rule of not occurring before 8 am and not after 9 pm in the cardholder’s respective time zone.

Card Alerts and Controls Video