a woman hold her credit/debit cards

Card Services

First Financial Card Services

VISA Credit Cards

Choose from 4 low-rate options and get all the benefits without all the interest!
Click on the card images to learn more about the perks of each card.

VISA first step card VISA Simply First Platinum card
13.15% APR* 11.15% APR*
Build, establish, or re-establish credit Lowest APR of all our cards 
Credit lines between $500 and $5,000 Credit lines up to $25,000
Apply for a First Step Card Apply for a Simply First Card
Rates & Fees Rates & Fees

VISA platinum cash plus card VISA signature cash plus card
13.15% APR* 13.15% APR*
UChoose Rewards
1.5% Cash Back on purchases
UChoose Rewards
1.5% Cash Back on purchases
Credit lines between $500 - $5,000 Credit lines between $5,000 - $25,000
Apply for a Platinum Cash Plus Card Apply for a Signature Cash Plus Card
Rates & Fees Rates & Fees

Learn more about our Credit Cards:
*APR varies from 11.15% to 18% for the Visa Simply First Platinum Card and from 13.15% to 18% for the Visa Signature Cash Plus, Visa Platinum 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.

Benefits of all First Financial Credit Cards:​

+No late fee will be charged if payment is received within 10 days from the payment due date.
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!

Balance Transfer Terms & Conditions

  1. If the information you provide is incomplete, First Financial will not be able to process your transfer request. Transfer payments will be sent to only recognized creditors or financial institutions and will not be sent to your home or billing address.
  2. Please continue to make your minimum required payment until the requested transfer payment appears on that account's billing statement. First Financial is not responsible for any remaining balance on that account, nor for any finance or other charges you incur due to delays in transferring a balance.
  3. If you transfer an amount for a transaction you dispute, you may lose some or all of your rights against the other creditor.
  4. While First Financial can pay your accounts directly, we cannot close them for you. If you wish to close any of the transfer accounts, you must do so yourself.
  5. Account balance transfers are contingent upon account setup and assigned credit limits. In some cases, First Financial may not be able to process a balance transfer request. If that occurs, you will be notified.

Credit Card Rewards Program

uChoose Rewards icon

Our Cash Plus Credit Cards have access to UChoose Rewards, where cardholders will earn 1.5% cash back on purchases, as well as rewards points will also be redeemable for merchandise, travel experiences and activities, event tickets, and merchant gift cards.

View a video tutorial on all the perks of UChoose Rewards.

First Financial Wallet

Staying in control of your cards has never been more important. Manage your finances while protecting your cards and yourself from fraud using the First Financial Wallet 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 on our First Financial Wallet page.

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.

Visa Gift Cards

Available in denominations of $20 to $500, a First Financial Visa Gift Card is the perfect gift for anyone on your list! Learn more on our Visa Gift Cards page, and gift cards are available at any branch location during business hours.

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!

* Required

Are you a current First Financial member?

Thank you for your submission!

We will be in touch with you soon.