First Financial Federal Credit Union

Visa Credit Cards

Find the Perfect Credit Card for Your Lifestyle with our 3 Low Rate Options! To apply online, click on the image below for the card you are interested in.

Visa Platinum Card rate Visa Signature Card rate Visa Secured Card rate

Learn more about our Visa Secured Credit Card and our Cash Back Visa Signature Card.

Check out our Visa Credit Card app in the iTunes Store or Google Play! 

Search "FirstFFCU" and look for our credit card app icon.Number 1 credit card

*You will need to create a separate user name and password for this app by clicking "register" when you use it for the first time - this app is not the same as your Online Banking or mobile app login information.

  • Check your credit card balance
  • Make payments
  • View transactions and payment history
  • Activate a new card
  • Dispute a transaction or report a lost/stolen card

Benefits of all First Financial Visa® Credit Cards:​

  • EMV Security Chip - Learn how to use your EMV Chip Card here.
  • 10 Day Grace Period+
  • No Balance Transfer Fees or Annual Fees*

Transfer Your Balance to our Visa Platinum Card and We'll Match You in Rewards Points!

Transfer your high interest credit card balance between March 27 - September 26, 2018 and we'll match the dollar amount with CURewards bonus points up to 10,000 points!** CURewards points can be redeemed for travel, merchandise, and major retailer gift cards. Check your point balance and redeem points by logging into CURewards. 

Ready to transfer your balance to a card with one of the lowest APRs around AND start earning more rewards? Apply for our Visa Platinum Card online. 

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!

Current First Financial Member?
Are you a current First Financial member?

Visa Agreements & Disclosures

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 set-up 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.

Important Links

*APR varies from 12.15% to 18% for the Visa Platinum Card and from 14.15% to 18% for the Visa Signature and Secured Cards when you open your account based on your credit worthiness. These APRs are for purchases, balance transfers, and cash advances 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: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. 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.

**Balance transfer must be approved and transferred to a First Financial Visa Platinum Credit Card in order to receive matching CURewards bonus points. For example: if there is a balance transfer of $3,000, the member will receive 3,000 CURewards points. Matching bonus points will not exceed 10,000. Bonus points will be reflected within 30 days from the balance transfer approval and can be viewed when signed into your Visa Platinum Card Account online through Online Banking. Bonus points can only be redeemed one time per member, on an approved balance transfer during the promotional period of 3/27/18 – 9/26/18. Not all applicants qualify, subject to credit approval. A First Financial membership is required to obtain a Visa Platinum Card and is available to anyone who lives, works, worships, 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.

Visa Signature Card Cash Back: Your First Financial Visa® Signature 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. 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. 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. Trip Cancellation/Trip Interruption: You must charge the entire amount of the common carrier fare to your card in order to receive this benefit. ID Theft Restoration: Coverage is available for individuals only and not businesses. Federally insured by NCUA.