Choosing the Right Credit Card in Virginia: Why InFirst FCU Offers the Best Options

 
Choosing the Right Credit Card in Virginia: Why InFirst FCU Offers the Best Options
 

Finding the best credit card in Virginia means more than just picking the one with the lowest rate. You want value that lasts—whether you're earning rewards, managing monthly expenses, or planning your next getaway. InFirst FCU offers two Visa Rewards Credit Cards that give you more for every dollar you spend—plus the kind of transparency and service you expect from a trusted, local credit union.

If you're ready to choose the right credit card that combines rewards, convenience, and fair rates, here's why InFirst FCU is a top choice for Virginia residents.

Choose the Card That Gives You More

InFirst FCU offers two options depending on your needs and stage in life:

Visa Rewards Credit Card

  • Fixed APR* between 10.90% and 17.90% (based on creditworthiness)

  • No annual fee

  • No balance transfer fee

  • Earn 5,000 bonus points when you spend $1,000 in the first 90 days

  • Contactless payment enabled (tap, wave, insert, or swipe)

Young Adult Visa® Rewards Credit Card

  • Designed for members ages 18–25

  • Fixed APR* as low as 9.90% with a checking account and InFirst Line of Credit (11.90% standard)

  • Same great rewards program as the standard card

  • No annual fee or balance transfer fee

  • Cosigner or proof of income required for members under 21

Explore the current credit card options.

Maximize Your Spending with CURewards

Both cards give you access to CURewards®, where you earn points with every purchase and redeem them your way.

How You Earn Points:

  • 4 points per $1 at gas stations

  • 3 points per $1 on restaurants and travel

  • 2 points per $1 at grocery stores, superstores, and wholesale clubs

  • 1 point per $1 on all other purchases

What You Can Redeem:

  • Cash back

  • Travel experiences

  • Gift cards

  • Merchandise

To redeem, log in to Online Banking, navigate to the credit card tab, and click “CURewards®.” For cash redemption, points must be used in 2,500-point increments (2,500 points = $25 deposited to your checking or savings account).

Browse available rewards.

Why InFirst FCU Is One of the Best Credit Card Providers in Virginia

Unlike big banks with ever-changing terms and impersonal service, InFirst FCU offers:

  • Local, member-focused support

  • No surprise fees or confusing rate structures

  • Easy balance transfers directly from Online Banking

  • Trusted service since 1935, serving federal employees and their families

If you’re comparing InFirst FCU to other providers, it’s clear that our combination of value-packed rewards, low fees, and local service sets us apart.

Who Can Apply?

You are eligible for membership if you are:

  • An active or retired federal employee

  • Living, working, worshiping, or attending school in King George or most of Botetourt, Roanoke, Salem, or Vinton, VA

  • An employee of one of our partner associations or businesses

  • An immediate family member of an eligible or active InFirst FCU member

If you don't meet any of those eligibility criteria, we have good news!
Anyone can join InFirst FCU by becoming a member of the InFirst Responders Foundation.

Click here to learn more about membership eligibility at InFirst FCU.

How to Apply

Applying is easy and takes just a few minutes:

Ready to Choose the Right Credit Card in Virginia?

Whether you’re a first-time cardholder or upgrading to a better option, the Visa Rewards Credit Card from InFirst FCU gives you more than just spending power—it gives you meaningful rewards, lower costs, and real value every time you swipe, tap, or insert.

Skip the gimmicks. Choose a card that’s local, rewarding, and built around your needs.

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