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Combine the worldwide prestige and convenience of Platinum with First City’s great rates and high quality personalized service.

Don’t fall for credit card gimmicks like points, miles and rewards.  First City’s Visa platinum is a straightforward credit card with great rates and features. We dare you to compare because there is no comparison.

Compare Your Credit Card
  First City Visa Platinum Other Credit Cards
Balance Transfer Fee $0 As high as 4% of
amount transferred
Cash Advance Fee $0 As high as 4% of
amount transferred
Rate on Purchase vs.
Cash Advances
Same Often more than double purchase rate
Lowest Rate 11.00% APR* Usually 15% or higher
(check your current rate)
Service Friendly, personalized credit union service Good luck!

Choose the right First City’s Visa Platinum Credit Card for you:

Visa Platinum Secured Visa Platinum






  • Rates as low as 11.00% APR*
  • No annual fee
  • No cash advance fee
  • A true 25-day grace period on purchases






  • 9.00%APR*
  • Secured by the balance in your Regular Savings Account – Earn dividends on your savings, automatically qualifies you for the Platinum Visa Card
  • No annual fee
  • No cash advance fee
  • Establish or re-establish credit
  • Or simply qualify for a lower rate
  • Up to $15,000 Credit limit
  • First City’s Share Secured Visa Platinum enjoys all of the other Platinum Perks and great personalized service that comes with our premier card
Plus, enjoy a long list of Platinum benefits. Here’s what you get:
  • Travel Insurance, up to $500,000.
  • Auto Rental and Collision Damage Repair.
  • Travel and Emergency Assistance Services.
  • Warranty Manager Service.
  • Personal ID Theft, up to $15,000.

Certificate balances cannot be used to secure a credit card.

*APR=Annual Percentage Rate, rate is variable based on prime rate

Visa Platinum Rates

Interest Rates and Interest Charges
Effective as ofOctober 1, 2019
VISA PlatinumShare-Secured Visa Platinum
as low asup to
Annual Percentage Rate (APR) for Purchases11.00% 18.00%9.00%
APR for Balance Transfers11.00% to 18.00%
APR for Cash Advances11.00% to 18.00%
APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR will vary with the market based on the Prime Rate.

Easy Application

  • Apply for your First City consumer loan 24 hours a day
  • Click on the ‘Apply for a Loan’ button on this page or call (800) 944-2200, ext. 5.
  • Qualified members are approved in minutes.
  • You can also apply at any First City branch during business hours.