Credit Cards

 
 

  • VISA Rewards

    Use our VISA Rewards card Black Friday (11/23) until midnight Cyber Monday (11/26) and we will give you FOUR times the current Reward Points!
    • 16 Reward Points on all gas purchases
    • 12 Reward Points on all restaurant and travel
    • 8 Reward Points on all grocery stores, superstores and wholesale clubs
    • 4 Reward Points on all other purchases

    The card that gives you more.

    To apply, log in to Online Banking or click here to fill out a loan application.

    Questions?
    Contact Us.

    Estimate your savings below!
    • Introductory offer of 1.99% APR* on purchases and balances transfers
    • No balance transfer fee
    • No annual fee
    • Earn 1,500 bonus points for first purchase
    • Points redeemable for travel, merchandise, gift cards and cash back

    How you earn points:
    • Gas = 4 points for every dollar spent
    • Restaurant and travel = 3 points for every dollar spent
    • Grocery Stores, superstores and wholesale clubs = 2 points for every dollar spent
    • All other items = 1 point for every dollar spent


    What You Can Redeem:
    • Cash
    • Travel
    • Merchandise
    • Gift Cards


    How To Redeem Your Points:
    • Click here to log in to Online Banking, select the Credit Card tab, then click on CU Rewards.
    • Select redeem points. If you have never registered your card, you will need to do so before proceeding to the Redeem Rewards page.
    • If you select Cash, we will deposit the funds to your savings or checking account. Points redemption for cash must be used in 5,000 point increments (5,000 points = $50.00).

    Click here for rates.
    Click here to browse the CU Rewards site for available merchandise.

    Download the CU Rewards Mall App from iTunes or Google Play to access and redeem your mall points.

    *APR = Annual Percentage Rate. Balance transfers must be completed within the first 90 days of card issue. This offer may not be used to pay or make balance transfers from any existing InFirst FCU accounts, loans or credit cards. Foreign transaction fees may apply. This promotional rate only applies to new VISA Rewards credit cards. Any existing VISA Rewards Credit Card that is closed and then re-opened will not receive the 1.99% APR introductory offer. After the 6 month promotional period, the rate will adjust to the purchase rate, currently 10.90% APR* to 17.90% APR* and subject to change. Rates based on credit worthiness. A fee of 3.00% or $5.00, whichever is higher, will apply to any cash advance. Not all applicants will qualify for the lowest rate.

    Points expire five years from time of issue.


    Additional VISA Rewards Credit Card Benefit Information:
    Accident Insurance Program
    Auto Rental Collision Damage Waiver
    Travel Accident (AD&D) Baggage Delay Insurance
    All of these benefits are currently in effect.
  • Young Adult VISA Rewards

    We are offering an AWESOME REWARDS program.

    Earn cash back on every purchase:
    • 4% cash back on all gas purchases
    • 3% cash back on all restaurant and travel
    • 2% cash back on all grocery stores, superstores and wholesale clubs
    • 1% cash back on all other purchases

    Click here to fill out our Credit Card Application and mail, fax or email (loans@infirstfcu.org) and send it back to us, or log in to Online Banking to apply.

    Questions?
    Contact Us.

    • 1.99% APR* on purchases and balance transfers2
    • No balance transfer fee
    • No annual fee
    • Earn 1,500 bonus3 points for first purchase
    • Points redeemable for travel, merchandise, gift cards and cash back


    After the promotional period ends, rates are as low as 9.90% APR* for young members opening a checking account with an InFirst Line of Credit. If no checking account or InFirst Line of Credit is established, the standard rate is 11.90% APR.

    Members must be 18 to 25 years of age when they apply for the credit card. Members under the age of 21 will need a cosigner or proof of income.

    Click here for current rates.
    Click here to browse the CU Rewards site for available merchandise.

    APR* = Annual Percentage Rate. All terms and conditions subject to change without notice. Rates based on credit worthiness. This promotional rate only applies to new Visa rewards credit cards. Any existing Visa rewards credit card that is closed and then re-opened will be subject to the original terms of the card that was closed. 1.99% APR* applies to purchases and balance transfers for the first 6 months. After the 6 month promotional period, the rate will adjust to the purchase rate, currently 9.90% APR* TO 11.90% APR* and subject to change. Contact Us For Details.

    2Balance transfers must be completed within the first 90 days of card issue. This offer may not be used to pay or make balance transfers from any existing InFirst FCU accounts, loans or credit cards. Not all applicants will qualify for the lowest rate. Foreign transaction fees may apply. A fee of 3.00% OR $5.00, whichever is higher, will apply to any cash advance.

    3Points expire five years from time of issue.


    Additional VISA Rewards Credit Card Benefit Information:

    Accident Insurance Program
    Auto Rental Collision Damage Waiver
    Travel Accident (AD&D) Baggage Delay Insurance
    All of these benefits are currently in effect.