Credit Cards

When you have any Visa credit card from First Commonwealth, you are entitled to:

  • No Annual Fee
  • No Balance Transfer or Cash Advance Fees
  • No Penalty APRs

We also offer secured Visa cards, which do not require a credit check. They are a great way to build your credit score and history.

Visa Platinum Rewards
CURewards is a rewards program where you earn points every time you use your Visa Platinum Rewards card for your purchases. You will earn one point for every $1 spent on qualifying purchases. Earn extra points when you use your card at a participating retailer. Points can be redeemed for cash-back, merchandise, travel and gift cards!

Credit Card Comparison

*APR=Annual Percentage Rate. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the type of card (Platinum, Platinum Rewards), rate and the credit line granted are subject to the credit union’s underwriting guidelines. VARIABLE RATE INFORMATION: Visa Platinum: The APR is equal to Prime Rate plus a margin of 3.74%, 6% or 10%, depending on creditworthiness, and will never be greater than 18%; Visa Platinum Rewards: The APR is equal to Prime Rate plus a margin of 5% and will never be greater than 18%.

1 Benefits are subject to change. Certain restrictions, limitations and exclusions apply. Refer to your Guide to Benefits for complete details on all benefits provided.

2 Minimum pledge required is $300. The APR varies based on the amount you have on deposit to secure this card.

3 Minimum pledge required is $5,000. The APR varies based on the amount you have on deposit to secure this card.



Printable Rates

Credit Cards

  •  07/01/2017
Credit Card APR (as low as) Alert Me
VISA Platinum 7.99%1
VISA Platinum Rewards 9.25%1
VISA Platinum Secured 7.99%1
VISA Platinum Rewards Secured 9.25%1
  • 1APR=Annual Percentage Rate. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the type of card (Platinum, Platinum Rewards), rate and the credit line granted are subject to the credit union’s underwriting guidelines. VARIABLE RATE INFORMATION: Visa Platinum: The APR is equal to Prime Rate plus a margin of 3.74%, 6% or 10%, depending on creditworthiness, and will never be greater than 18%; Visa Platinum Rewards: The APR is equal to Prime Rate plus a margin of 5% and will never be greater than 18%.

CURewards®

CURewards® Program

Use your points to redeem cash back, merchandise, gift cards or travel for your next vacation. Remember you can also earn extra points when shopping at participating retailers through the CURewards Mall when you login to the site.  Register on CURewards to watch your points grow.


Getting Started

Current First Commonwealth  Visa® Platinum Rewards cardholders must register for the CURewards program by following the steps below:

Please Note: The cardholder's name must be entered exactly as it appears on the card when registering.  Business Visa® Platinum cards are not eligible for CURewards.


Watch your points add up fast by earning several ways!

  • Earn 1 point per $1, every time you use your card for your purchases.
  • Earn additional points when you shop at retailers participating in the program.
  • Earn the most points in the shortest amount of time by using your card for all your shopping needs, whether in-store or online.

Redeem Points for Merchandise or Cash

There are several options you can use to access CURewards:

  1. Log on to CURewards at www.CURewards.com or the app.
  2. Place your order online-secure, quick and easy. 

For Travel Redemptions

  1. Log on to CURewards at www.CURewards.com or the app.
  2. Redeem online. or speak with a live agent by calling toll free: 1.800.900.6160
  3. 7 days a week, 8:00 a.m. to Midnight EST excluding holidays

Card Benefits

Both our Platinum and Platinum Rewards cards come with the following benefits:

Auto Rental Collision Damage Waiver
Offers you coverage for damage due to collision or theft of most rental cars.

Travel & Emergency Assistance Services1
Helps you coordinate medical, legal, and travel services when you’re away from home.

Warranty Manager Service
Gives you double the manufacturer’s warranty coverage on items purchased with your covered Visa card (up to one additional year on eligible U.S. warranties of three years or less), plus easy warranty registration, and more.

Our Visa Platinum Rewards offers these additional benefits:

Visa Concierge1
Offers you assistance with travel and restaurant reservations, gift arrangements, business services, and more. Get help with planning a special evening, arranging weekend activities, booking your next vacation and more.

Lost Luggage Reimbursement $1,250
Offers you supplemental reimbursement for checked or carry-on luggage and its contents if lost due to theft or misdirection by a common carrier.

1The cost of any goods or services provided are the cardholder’s responsibility.

Lost or Stolen Cards

To report a lost or stolen ATM,  VISA  Debit Card, or VISA Credit Card:

  • In the United States, call toll free: 1.855.710.3064
  • Internationally, call collect: 1.303.967.1096

If you are traveling out of town or internationally, contact us.

Ensure your transactions are processed and your credit card isn't blocked. To protect you from fraud, credit cards are flagged if there is suspicious activity such as the card being used in another country. Make sure you have an accurate, up-to-date phone number on file with us.

Transfer a Balance

VISA Credit Card Agreement

*Benefits are subject to change. Certain restrictions, limitations and exclusions apply. Refer to your Guide to Benefits (Platinum, Platinum Rewards) for complete details on all benefits provided.