VISA Simply First Platinum Credit Card

One of the most affordable APR's around - that's our Visa Simply First Platinum Card!
VISA simply first platinum card apply now image

Our Visa Simply First Credit Card is the whole package, giving you convenience and security. It's our lowest rate card and also has no annual fee.

The Visa Simply First Card also boasts:

  • Lowest APR of all our Credit Cards at 11.65%*
  • Credit lines up to $25,000
  • Zero fraud liability
  • 24/7 customer service
  • EMV Security Chip
  • 10 Day Grace Period+
  • No Annual Fee or Foreign Transaction Fees
  • Rates & Fees (PDF)

*APR varies from 11.65% to 18% for the Visa Simply First Card 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.
+No late fee will be charged if payment is received within 10 days from the payment due date.