Visa Credit Card Rates
Low Rates
No Annual Fee
$0 Cash Advance Fees
Compare credit card rates at a glance.
Visa Introductory Rate Disclosure
Interest Rate and Interest Charges: APR is based on Your creditworthiness at the time Your Account is established. These APRs will vary with the market based on the Prime Rate
VISA Introductory Rates
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Visa Introductory Rates
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Visa APR as low as:
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Visa APR up to:
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Share-Secured Visa APR as low as:
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| Annual Percentage Rate (APR) for Purchases | 12.00% | 18.00% | 9.00% |
| Introductory APR for Six Months on Purchases | 2.99% | N/A | 2.99% |
| APR for Balance Transfers | 12.00% | 18.00 | 9.00% |
| Introductory APR for Six Months for Balance Transfers | 2.99% | N/A | 2.99% |
| APR for Cash Advances | 12.00% | 18.00% | 9.00% |
| Introductory APR for Six Months for Cash Advances | 2.99% | N/A | 2.99% |
Paying Interest: We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on balance transfers and cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at: https://www.consumerfinance.gov/learnmore/
| VISA Credit Card Fee Disclosure | Type of Fee | Fee |
|---|---|---|
| Transaction Fees | Foreign Transactions | 1.00% of each foreign currency transaction in U.S. Dollars |
| 1.00% of each U.S. Dollar transaction that occurs in a foreign country | ||
| Penalty Fees | Late Payment | $10.00 |
| How We Will Calculate Your Balance | We use a method called "Average daily balance including new purchases." See Your Account Agreement for details. | |
| Billing Rights | Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. | |
How We Will Calculate Your Balance: We use a method called "Average daily balance including new purchases." See Your Account Agreement for details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.
First City Credit Union is a nation leading 5-star financial institution with locations across Los Angeles.