Credit cards
How Do I Choose an FCCU Credit Card?
First Commerce Credit Union offers two Visa® credit card options: a Visa Platinum designed for members who prioritize a lower interest rate and a Visa Platinum Rewards that lets you earn points on everyday purchases.
key points
What Should I Know About FCCU Credit Cards?
Two Card Options
Choose between the Visa Platinum, which focuses on a lower interest rate, and the Visa Platinum Rewards, which earns points on eligible purchases.
No Annual Fee
Neither FCCU Visa credit card has an annual fee. Easily apply online for free.
Rates Vary
Both cards have variable APRs, and your APR is based on your creditworthiness at the time you open the account.
Compare your options
What Should I Know About FCCU Credit Cards?
On a small screen, swipe across the table to compare all three options.
Visa Platinum
Designed for
Members who prioritize a lower interest rate
Purchase APR
Lower APR range
Rate Structure
Variable, based on Prime Rate
Annual Fee
None
Rewards
None
Digital Access
Manage card activity and payments through FCCU Digital Banking
Additional Benefits
Zero Liability protection, emergency cash or card replacement, Roadside Dispatch, travel assistance and local support
Visa Platinum Rewards
Designed for
Members who want to earn rewards on purchases
Purchase APR
Higher APR range
Rate Structure
Variable, based on Prime Rate
Annual Fee
None
Rewards
1 point for every $1 spent, plus bonus points
Digital Access
Manage card activity and payments through FCCU Digital Banking
Additional Benefits
Zero Liability protection, emergency cash or card replacement, Roadside Dispatch, travel assistance and local support
Account features vary. Review current rates, fees, minimums, and disclosures for the account you select.
From comparing to choosing
A Simple Way to Move Forward
01
How Will You Use Your Card?
Consider whether your priority is keeping your interest rate lower or earning rewards on everyday purchases.
02
Review Current Rates and Fees
Review the current APR ranges for both cards, along with any transaction fees that may apply depending on how you use each card.
03
Compare Rewards and Benefits
If you’re considering the Visa Platinum Rewards, think about whether earning and redeeming points fits your spending habits.
A little more clarity
Questions Worth Asking
A few details can make the choice easier.
Do First Commerce Credit Union credit cards have an annual fee?
No. Neither the Visa Platinum nor the Visa Platinum Rewards card carries an annual fee.
How is my credit card interest rate (APR) determined?
Both cards feature variable APRs based on the Prime Rate. Your specific rate is determined by your creditworthiness and financial profile at the time you open the account.
What built-in benefits are included with FCCU Visa cards?
Both cards include Visa Zero Liability protection, emergency cash and card replacement, Roadside Dispatch, travel assistance, and local member support.
What happens if my card is lost, stolen, or has fraudulent charges?
Both FCCU Visa cards come with Visa Zero Liability protection, meaning you aren’t held responsible for unauthorized transactions. If your card is compromised, you can lock it immediately through Digital Banking, get local support, and request emergency card replacement.
Ready to Find the Card That Fits You?
Compare our low-interest and rewards credit card options, including current rates, fees, rewards, and benefits, before you apply.
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