VISA Credit Cards
We offer a VISA Gold and Classic option:
VISA Gold
—8.75% Fixed Rate APR
The MasterCard Gold is great for members who sometimes carry a monthly balance. It has one of the lowest fixed rates in the whole country. Members with good to excellent credit will qualify for use of this card. If you anticipate carrying a balance on your credit card, you will want a card with the lowest rate.
VISA Classic
—14.76% Fixed Rate APR
The VISA Classic is great for Members who may not qualify yet for the VISA Gold but have good credit.
VISA Classic Secured
—14.76% Fixed Rate APR
For those Members who have no or limited credit or those who are looking to rebuild their credit, we offer a VISA Classic Secured. The credit limit on the card is secured by a deposit in your First Choice Credit Union account. Parents can also use their account to secure a card for their children.
*Purchases, balance transfers, and cash advances will be subject to the respective fixed APR of each card. The finance charge is imposed on cash advances, balance transfers, and convenience checks from the date of the transaction on your account. You have a 25-day grace period (no finance charge) on your purchase balance and for new purchases if you paid the total new balance for purchases on your last statement by the end of the grace period. Credit approval subject to membership eligibility, creditworthiness and other qualifications. Please see our application and disclosures for more details. Rates, terms and conditions subject to change.
All First Choice Credit Union VISA accounts come with the following features:
- No annual fees
- Cash advances at ATM worldwide
- Balance transfers
- An interest-free grace period on purchases
- Tap to Pay Functionality: Look for the contactless symbol on the payment terminal. Save time every time you tap!
- EMV Chip Technology: Your new credit card will have an embedded chip that will help increase security and reduce fraud. The EMV chip will be in addition to the standard magnetic strip.
- 24/7 Cardholder Service: Call 1-844-303-5002 for balance inquiries, payment information, transaction history, statement requests or to dispute a charge.
- CardHub: Real-time credit card information, including transactions, pending activity, payment information and custom email alerts, plus sign up for electronic statements when you log into your account online at www.firstchoicecu.org.
