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Sometimes convenience and a low rate are all you need.  There’s no annual fee, no confusing rate tiers, impossible qualifiers, or drawn-out applications.  Just a simple, “there when you need it” card, with the best rates around. 

Basics Card

Convenience and a low rate

If you are looking for a simple credit card, then look no further! The BASICS Visa® Credit Card offers the convenience of Visa® with the most competitive rates in the market.

No annual fees

Use it when you need to, there’s no fee if you don’t.

Fixed interest

No surprises on your rate. It’s the same for all your purchases.

Enhanced security

PERKS Visa® cardholders can take advantage of enhanced security for online purchases with Visa® Secure Remote Commerce.

Mobile wallet

Make contactless purchases with your smartphone. The BASICS Visa® credit card is Apple Pay®, Google Pay™, and Samsung Pay™ compatible.

Local service

From billing questions, to technical assistance, local Midcoast representatives can help with virtually every aspect of your card membership.

basics card

BASICS Features

contactless card payments
Visa Secure Remote

Visa® Secure Remote Commerce

Shopping online is fun, but can become a hassle when it’s time to pay. Visa® Secure Remote Commerce is a digital payment service that makes online payment just as easy as shopping online. You can use it anywhere Visa® Click to Pay is accepted. On the go? Visa® Click to Pay is available on your tablet, smartphone, or home computer.

  • Simple – Add any major card to enroll. Then pay with Visa® Secure Remote Commerce.
  • Fast – Skip typing in your card and shipping information every time.
  • Secure – Shop worry-free. Your information is stored behind multiple layers of security.
Balance Transfer

We invite you to transfer your high-interest balances!

Consolidate your debts from high-interest cards into one payment with your BASICS card. There’s no balance transfer fee!

Credit Limit Increase

Need a boost to your credit limit?

If you’re looking to improve your credit utilization ratio, or you’re considering a big purchase, a credit limit increase may be beneficial.

Do your banking from anywhere. Digital banking

With Midcoast, you’re always connected

Interact with us and manage your accounts in all the ways that work best for you. Our Digital Banking platform has the same look, feel, and functionality across all of your devices: computer, tablet, and mobile device.

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