VISA First Step Credit Card

Are you one emergency car problem or unexpected home repair away from serious financial stress, or worried that you couldn't possibly get a credit card with your credit history?

digital VISA first step card banner

With a Visa® First Step Credit Card from First Financial, you don't have to stress about unexpected emergencies. This is the card designed to help you build, establish, or re-establish your credit. With credit limits from $500 to $5,000, a 10 day grace period, and no annual fee - you'll have peace of mind knowing that you're covered if an unplanned expense pops up.

Understanding and Improving Your Credit Score
The higher your credit score - the lower the interest rate you'll qualify for, and the more money you'll save! If you plan on purchasing a car, a home, or applying for a credit card anytime in the near future - we can help you improve your credit score in 3 easy steps:

1. Apply for a Visa® First Step Credit Card at 12.90% APR*
2. Make your payments on time, every month.
3. Review your credit score in 6-12 months and see how your score has improved!

With a higher credit score, we'll help you refinance loans and credit cards with other financial institutions to lower your monthly payments, and save you money on interest!

Even if your credit isn't great, but you need a loan right now - we want to help. Choosing a not-for-profit financial cooperative like First Financial will allow you to get the loan you need at a lower interest rate, and help you start building your credit score with every on-time payment you make.


*APR varies from 12.90% to 18% for the Visa First Step Credit Card when you open your account based on your credit worthiness. This APR is 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. No late fee will be charged if payment is received within 10 days from the payment due date. 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.