VISA Signature Cash Plus Credit Card

Earn 1% cash back on all purchases with Cash Plus!
Change the way you charge with our Visa® Cash Plus Credit Card. You can earn travel experiences, rewards, merchandise, gift cards and cash back. Our Cash Plus cards also have no annual fee and a 10-day grace period.+

Card Features:

Get 1% cash back on unlimited purchases!**

Earn uChoose Rewards on all purchases - redeemable for travel, merchandise, gift cards and more.

No Annual Fee

10-Day Grace Period on all purchases+

Credit lines up to $5k on Platinum Cash Plus, up to $25k on Signature Cash Plus

Rates as low as 17.40% APR*

Norton Lifelock ID Navigator++

EMV Chip Security

24/7 Customer Service

  • Rates & Fees (PDF)
  • Questions before applying? Call our Loan Department at 732-312-1500, Option 4.


Additional Signature Cash Plus Card Perks:

  • Lost Luggage Reimbursement: You will be eligible to receive reimbursement up to $3,000 for your checked luggage or carry-on baggage, and/or its contents provided the luggage was lost due to theft or misdirection by the carrier.
  • Cell Phone Protection: Cell Phone Protection provides you supplemental reimbursement at no cost for damage or theft of an eligible cell phone.
  • Trip Cancellation/Interruption Coverage: Trip Cancellation/Trip Interruption will help reimburse you and your immediate family for up to $5,000 of your common carrier passenger fare in the event your trip must be cancelled or interrupted due to a covered reason.
  • Visa Concierge: This is a complimentary 24/7 service, providing you with quick and convenient assistance for travel, dining, entertainment, and everyday needs.
*APR varies from 17.40% to 18% for the Visa® Signature Cash Plus 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. 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. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.

**Your First Financial Visa® Signature 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.

++Visa® Signature cardholders are eligible to enroll in ID Navigator Powered by Norton LifeLock at no cost. The service provides the cardholder with tools to help keep them informed of potential identity theft threats and helps the cardholder to act quickly should the unexpected happen. Coverage is available for individuals only. Individuals can also choose to enroll in an enhanced benefit plan at a discounted price which will be billed directly to the cardholderʼs Visa® credit card.

Lost Luggage Reimbursement: Coverage applies when common carrier tickets — airline, rail, bus, cruise line, etc. are purchased with your First Financial Visa® Signature Credit Card. The cardholder must be the holder of an activated Visa® Signature Credit Card that is validly registered under the cardholder’s name prior to the date the luggage is lost or stolen. Only the luggage of the registered cardholder is covered.
Cell Phone Protection: Eligible cell phones are the primary line and up to the first two secondary, additional, or supplemental lines as listed on your cellular provider monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred. In addition to cell phones, certain types of personal digital assistants (PDA) are eligible when terms and conditions of the benefit are met. If a cardholder fails to make a payment using their covered Visa® Signature Credit Card in a particular month, the benefit is suspended until the first day of the calendar month following the date of any future wireless provider bill payment with their covered card while the benefit continues to be offered.
Trip Cancellation/Trip Interruption: You must charge the entire amount of the common carrier fare to your card in order to receive this benefit.
Visa® Concierge: The cardholder calls the service provider through one convenient domestic toll-free number with customer service representatives available 24 hours a day, 7 days a week. (International information available through a collect call). Information, reservations, and referrals are available at no cost to the cardholder. The cost of any goods or services purchased will be billed directly to the cardholderʼs Visa® Signature Cash Plus Card.

uChoose Rewards is a registered trademark of Fiserv Inc. Login to uChoose Rewards through Online Banking, by clicking on your Cash Plus Card account to view current offers.