First Financial Card Services
Visa® Credit Cards that Put Your Needs First
Whether you're looking for a card with extra perks or to help build your credit, we offer a variety of options that will fit your needs. Our cards also have no annual fees and low rates, so you can keep using your card with peace of mind.
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Simply First |
Cash Plus |
First Step |
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Our lowest rate,
starting at 15.15% APR*
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Earn unlimited 1% cash back everywhere** | Build, establish, or re-establish your credit with limits starting at $500 |
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Credit lines up to $25,000
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Turn your spending into retailer gift cards, merchandise, travel experiences and more!
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10-Day grace period+
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| No Annual Fee |
No Annual Fee
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No Annual Fee |
| Learn More | Learn More | Learn More |
| Rates & Fees |
Rates & Fees |
Rates & Fees |
Learn more about all of our Visa® Credit Cards:
- First Step Card
- Simply First Card
- Signature Cash Plus Card
- Platinum Cash Plus Card
- Business Cash Plus Card
- Visa Credit Cards Comparison Chart
Would you like more information or do you have questions about our Credit Cards? Fill out our online form at the bottom of the page, and a representative will contact you soon!
*APR varies from 15.15% to 18% for the Visa® Simply First Card and varies from 17.15% to 18% for the Visa® Cash Plus and Visa® First Step Cards, when you open your account based on your credit worthiness. These APRs are for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.
**Your First Financial Visa® Cash Plus Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter.
+No late fee will be charged if payment is received within 10 days from the payment due date.
Credit Card Rewards Program
Our Cash Plus Credit Cards have access to uChoose Rewards, where cardholders earn 1% cash back on unlimited purchases, as well as rewards points that are redeemable for merchandise, travel experiences, in the Apple Store, on retailer gift cards, and you can pay with points using PayPal.
Register for or login to your uChoose Rewards account.
You can also quickly login to uChoose Rewards through Online Banking, by clicking on your Cash Plus Credit Card account.
View a video tutorial on all the great perks of uChoose Rewards!
Manage All Your First Financial Cards in our Mobile App
Staying in control of your cards has never been more important. Manage your finances while protecting your cards and yourself from fraud using the My Cards feature within our Mobile App! View your First Financial Credit and Debit Cards in one place - get purchase alerts, lock your cards, control transactions, and manage your spending. Learn more and get started.
First Access Debit Card
Our Debit Card has lots of great features including no annual fee, it's easy to use, and is safer than carrying cash. Learn more on our Debit Card page.
Get your First Access Debit Card today by stopping into a First Financial branch or by filling out our Debit Card Application within Online Banking.
As a reminder, First Financial will never call, email, or text you and ask for your account number or PIN. If you ever have a question about a communication you received, please contact our Member Relationship Center at 732-312-1500.
Would you like more information or do you have questions about one of our loans? Please fill out the form below and we will get back to you shortly!
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