Competitive Rates and Sweet Rewards

First Commerce Visa® credit cards give you the power to choose whether you want a lower interest rate or to earn rewards for purchases. Plus, manage and monitor card activity anytime through Digital Banking.


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

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!

Rewards Credit Card

Make life more rewarding with a First Commerce Rewards Visa® credit card! With the uChoose Rewards program, you have the power to earn points on everyday purchases and redeem them for merchandise, travel, event tickets and much more!

  • Turn your points into more of what you want – anytime, anywhere
  • Earn 1 Point Per 1 Dollar on everyday purchases 
  • Earn more points through special offers from popular retailers on the uChoose web site
For more details, please contact uChoose Rewards or check the FAQs.

Rewards Credit Card

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

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.”

Getting Started Is Easy

Fill out our easy online application to get qualified.

Explore Our Other Lending Solutions

Build Financial Wellness

Build Financial Wellness

The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

Free Checking Account

Free Checking Account

We offer free Checking Accounts with POWERful perks for all ages!

Build Financial Wellness

Build Financial Wellness

The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

Free Checking Account

Free Checking Account

We offer free Checking Accounts with POWERful perks for all ages!

Your Financial Partner for Life

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 80 years of financial expertise.