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Credit Cards

Get Rewarded for Spending with InFirst FCU!

Visa® Rewards

The Card that Gives You More.

Our Visa® Rewards Credit Card is contactless! Tap, wave, insert, or swipe - the choice is up to you!

  • Fixed rates between 10.90% APR and 17.90% APR**. Rates are subject to change and are based on creditworthiness

  • No balance transfer fee

  • No annual fee

  • Earn 5,000 bonus points when you spend $1,000 within the first 90 days of card opening
    Earned points will be credited within 30 business days of the last statement date

  • Points redeemable for travel, merchandise, gift cards, and cash back

 
See Our Credit Card Rates
Click for our Financial Calculators
Apply for a Visa
 
 

How You Earn Points

  • 4 points for every dollar spent at gas stations

  • 3 points for every dollar spent on restaurant and travel purchases

  • 2 points for every dollar spent on all grocery store, superstore, and wholesale club purchases

  • 1 point for every dollar spent on all other purchases

What You Can Redeem:

  • Cash

  • Travel

  • Merchandise

  • Gift Cards

Click here for the CURewards® website

How To Redeem Your Points:

  • Log in to Online Banking, select the Credit Card tab, then click on CURewards®

  • 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 2,500 point increments (2,500 points = $25.00)

For CURewards® inquiries, please contact (888) 634-6318.

**APR = Annual Percentage Rate. Rates are based on creditworthiness. 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. Foreign transaction fees may apply. Points expire five years from time of issue. An InFirst balance transfer may not be used to pay any existing InFirst FCU accounts, loans, or credit cards. Not all members will qualify.

Young Adult Visa® Rewards 

The Card that Gives you More

Our Young Adult Visa® Rewards Credit Card is contactless! Tap, wave, insert, or swipe - the choice is up to you!

Benefits

  • No balance transfer fee

  • No annual fee

  • Earn 5,000 bonus points when you spend $1,000 within the first 90 days of card opening
    Earned points will be credited within 30 business days of the last statement date

  • Points redeemable for travel, merchandise, gift cards, and cash back

Fixed rates 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.

See Our Credit Card Rates
Apply for a Young Adult Visa rewards
**APR = Annual Percentage Rate. All terms and conditions subject to change without notice. Rates based on creditworthiness. A fee of 3.00% or $5.00, whichever is higher, will apply to any cash advance. Foreign transaction fees may apply.Points expire five years from time of issue. An InFirst balance transfer may not be used to pay any existing InFirst FCU accounts, loans, or credit cards. Not all members will qualify.

Earn Reward Points on every purchase

  • 4 points for every dollar spent at gas stations

  • 3 points for every dollar spent on restaurant and travel purchases

  • 2 points for every dollar spent on grocery store, superstore, and wholesale club purchases

  • 1 point for every dollar spent on all other purchases

Apply for the Young Adult Visa® Rewards Credit Card online or you can also log in to Online Banking to apply.

Please do not include any sensitive details via email.

Click here for the CURewards® website

For CURewards® inquiries, please contact (888) 634-6318.

Balance Transfers

Transferring Your Balance is Easy!

If you have high, variable-rate credit cards, transferring your balances to a low, fixed-rate Visa® Rewards Credit Card can save you lots of money.

  1. Log into Online Banking.

  2. Click on the Credit Card tab.

  3. Click Balance Transfer on the menu to the right of the screen.

Balance Transfer Promotion

Balance Transfer? More like interception!

Score 5.50% APR* for 12 months with a Visa® Rewards Credit Card Balance Transfer!

  • No Balance Transfer Fee

  • No Annual Fee

  • Introductory rate applies to Purchases and Balance Transfers

  • Complete your Balance Transfer by 3/31/2026

Post-promotional rate of 9.90% APR or 11.90% APR applies.**

*This offer is available on new Young Adult Visa Rewards Credit Cards opened during the promotional period of 09/01/2025 and 03/31/2026 only. 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. Purchases and Balance Transfers must be completed during the promotional period to qualify for the introductory rate. A fee of 3.00% or $5.00, whichever is higher, will apply to any cash advance. A 1% Foreign Transaction Fee may apply. No Balance Transfer Fee applies. Offer does not apply to any other InFirst FCU loan. An InFirst balance transfer may not be used to pay any existing InFirst FCU accounts, loans, or credit cards. Subject to credit approval, and credit limit availability.
**After the promotional period ends on 03/31/2026, the remaining balance will convert to the standard purchase rate determined by creditworthiness at card opening, and will range from 9.90% APR (for members with an InFirst FCU checking account and Line of Credit) to 11.90% APR. InFirst FCU membership is required.