2.99% APR* Introductory Rate
$0 Cash Advance Fees
$0 Balance Transfer Fees
Great rates. Powerful security.
A First City Secured Visa offers amazing advantages for building toward financial wellness, including low rates and integration with your First City accounts.
Re-establish your credit with a card.
Earn with every swipe
Build or repair your credit with benefits that support your financial journey.
- 2.99% APR* for first 6 months
- Rates as low as 9.00% APR
- Secured by Regular Savings account
- Earn dividends on savings
- $0 Cash Advance and Balance Transfer fees
- Up to $15,000 limit
- No annual fee
More member-exclusives.
Available for all credit cards
Along with convenient credit cards you can count on, you also get bonus perks.
- Travel insurance up to $500,000
- Travel and Emergency Assistance services
- Auto Rental and Collision Damage Repair
- Personal ID Theft insurance up to $15,000
- Complimentary Roadside Assistance
- Norton LifeLock identity protection
- Credit score improvement with Dovly
Contact us for personalized help.
We're here for you
Apply online in minutes, give us a call, or visit us at your local branch.
- Card Fraud: 1.800.944.2200 (regular business hours)
- Activate or Change a PIN: 1.866.762.0558
- Lost & Stolen Cards Within the U.S.: 1.888.241.2510
- Lost & Stolen Cards Outside the U.S.: 1.909.941.1398
Visa implements advanced encryption to let you shop online with confidence and peace of mind.
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. | |
First City is proud to partner with GreenPath to help you make smarter financial decisions. Whether you’re looking to improve your budgeting skills, manage debt, or build your credit, GreenPath offers expert guidance and personalized support every step of the way. Together, we’re committed to empowering you with the tools and knowledge to achieve your financial goals with confidence.
Enjoy our Visa Credit Card with an introductory rate of just 2.99% APR for the first 6 billing cycles. Plus, take advantage of no balance transfer fees and no cash advance fees - making it easier and more affordable to manage your finances.
First City Credit Union is a nation leading 5-star financial institution with locations across Los Angeles.
*Annual Percentage Rate is variable based on prime rate.