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Take Charge of Your Money

Whether you’re paying for everyday purchases or consolidating high-interest debt, we’ve got the low-rate credit cards to help you stay in control of your finances. Whichever card you choose, you can enjoy no annual fees, no over limit fees, and no balance transfer fees.

Sleigh the Season... Not Your Wallet!
Visa Platinum credit card rates as low as 6.90% APR for 12 months.

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Visa Platinum Rewards

Turn everyday purchases into rewards points that are redeemable for travel, gift cards, brand name merchandise – even cash!

14.15% APR

Earn one point for each dollar you spend, with 2,500 bonus points credited after first use.

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Visa Platinum

Keep it simple with one incredibly low rate for purchases, balance transfers, and cash advances. Perfect for consolidating high-interest debt into one low monthly payment.

13.15% APR

Low-Cost Debt Protection Plans

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Apply for Visa Platinum

Visa Platinum Share Secured

Perfect for if you’re just getting started on building credit or need to get back on track. Simply deposit funds into a 1st United savings account where they will be held and earn interest, and you'll receive a credit limit equal to your deposit.

10.15% APR

Secure as little as $250 or as much as $2,500 in an interest-bearing savings account to enjoy this low-rate card.

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Visa Services
(833) 285-1738

Visa credit/debit PIN by phone
Report lost/stolen Visa

Visa Has You Covered

Your 1st United Visa Platinum credit card offers more than just low rates, no annual fees, and low cash advance fees.

Explore Visa Benefits

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Our simple 3-step online application makes applying for a Visa Platinum or Visa Platinum Rewards card easy.

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Visa Platinum Rewards: APR (Annual Percentage Rate) as of December 1, 2024, is subject to change, is a variable rate ranging between 14.15% APR and 24.15% APR, is tied to the Prime Rate and is based on creditworthiness. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. Loans are subject to credit approval. Cash advances, balance transfers, and existing Visa Platinum upgrade balances do not qualify to earn points. 2,500 bonus points credited after first use. Program is subject to Terms and Conditions. View our full Visa disclosure.

Visa Platinum: APR (Annual Percentage Rate) as of December 1, 2024, is subject to change, is a variable rate ranging between 13.15% APR and 23.15% APR, is tied to the Prime Rate and is based on creditworthiness. Loans are subject to credit approval. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. View our full Visa disclosure.

Visa Platinum Share Secured: APR (Annual Percentage Rate) as of December 1, 2024, is subject to change, is a variable rate currently at 10.15% APR, and is tied to the Prime Rate. Must be at least 18 years of age and have the requested credit limit amount in a 1st United savings account. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. View our full Visa disclosure.