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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 11.50% 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
Features:

  • Rates as low as 11.50% APR*
  • No annual fee
  • No cash advance fee
  • A true 25-day grace period on purchases
Features:

  • 9.50%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

VISA PLATINUM DISCLOSURE
Interest Rates and Interest Charges
Effective as ofJanuary 15, 2019
VISA PlatinumShare-Secured Visa Platinum
as low asup to
Annual Percentage Rate (APR) for Purchases11.50% 18.00%9.50%
APR for Balance Transfers11.50% to 18.00%
APR for Cash Advances11.50% 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.
Penalty APRNone
How to avoid paying interest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest ChargeThere is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
VISA PLATINUM DISCLOSURE FEES
Set-up and Maintenance Fees
• Annual Fee
• Account Set-up Fee
• Participation Fee
• Additional Card Fee
NONE
NONE
NONE
NONE
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction
NONE
NONE
1% of each transaction in U.S. Dollars
Penalty Fees
• Late Payment
• Over-the-Credit-Limit
• Returned Checks
$10.00
NONE
$31.00
Method of computing the balance for purchasesAverage daily balance (including new purchases)

Easy Application

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