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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
|Cash Advance Fee||$0||As high as 4% of
|Rate on Purchase vs.
|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|
|Plus, enjoy a long list of Platinum benefits. Here’s what you get:
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 of||January 15, 2019|
|VISA Platinum||Share-Secured Visa Platinum|
|as low as||up to|
|Annual Percentage Rate (APR) for Purchases||11.50%||18.00%||9.50%|
|APR for Balance Transfers||11.50% to 18.00%|
|APR for Cash Advances||11.50% 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.|
|How to avoid paying interest on Purchases||Your 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 Charge||There is no minimum interest charge.|
|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 http://www.consumerfinance.gov/learnmore|
|VISA PLATINUM FEE DISCLOSURE|
|Set-up and Maintenance Fees|
|• Annual Fee|
• Account Set-up Fee
• Participation Fee
• Additional Card Fee
|• Balance Transfer|
• Cash Advance
• Foreign Transaction
1% of each transaction in U.S. Dollars
|• Late Payment|
• Returned Checks
|Method of computing the balance for purchases||Average daily balance (including new purchases)|
- 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.