Competitive Rates and Sweet Rewards
First Commerce Visa® credit cards allow you to choose between low-interest rates or earning rewards points for everyday purchases. Whether you’re focused on saving on interest or maximizing rewards, we offer a solution tailored to your needs. Plus, you can easily manage and track your credit card activity anytime through First Commerce Digital Banking, giving you full control wherever you are.
Boost Your Credit Card Benefits and Purchasing Power
No Annual Fee
Emergency Cash or Card Replacement
Zero Liability Protection
Roadside Dispatch
Travel Assistance
Local Support and Service
Low-Interest Rate Credit Cards
Whether you’re looking for something new, tired of paying high interest rates on your current credit card or just wish you could discuss your accounts with someone in person, the First Commerce Low-Interest Rate Visa credit card® is for you!
Apply NowRewards Credit Cards
Make life more rewarding with a First Commerce Rewards Visa® credit card! Through the uChoose Rewards program, you can earn points on everyday purchases, which can be redeemed anytime you want for merchandise, travel, event tickets, and more. Earn 1 point for every dollar spent plus extra points with special offers from popular retailers.
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Activate or Report a Lost Card
To activate your new card, call us at 1.800.992.3808. If your card is misplaced or stolen, we’re here to help. Call us at 1.800.533.5772.
Member Testimonial
“When I call other places, I feel the representatives are in a hurry to get me off the phone, but your team members were patient while assisting me and stayed on the phone to make sure my card was working so I would not have to call again.”
Master Your Credit: Tips for Credit Card Success
Debit vs. Credit: What and When to Use
Learn the key differences between debit and credit cards, and when it’s best to use each for your purchases. This article breaks down the pros and cons of each type of card to help you make smarter financial decisions.
Credit Card Management Tips for Smart Spending
Discover helpful strategies for managing your credit card effectively, from making on-time payments to maintaining a healthy credit score. This article offers actionable tips that can help you take control of your spending and avoid costly mistakes.
10 Things You Should Never Buy with a Credit Card
Not all purchases should be made with a credit card. This article lists 10 types of purchases you should avoid to prevent falling into debt or harming your credit score and offers alternative payment suggestions for each situation.
Debit vs. Credit: What and When to Use
Learn the key differences between debit and credit cards, and when it’s best to use each for your purchases. This article breaks down the pros and cons of each type of card to help you make smarter financial decisions.
Credit Card Management Tips for Smart Spending
Discover helpful strategies for managing your credit card effectively, from making on-time payments to maintaining a healthy credit score. This article offers actionable tips that can help you take control of your spending and avoid costly mistakes.
10 Things You Should Never Buy with a Credit Card
Not all purchases should be made with a credit card. This article lists 10 types of purchases you should avoid to prevent falling into debt or harming your credit score and offers alternative payment suggestions for each situation.
Your Financial Partner for Life
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
