Credit Cards

Ready to get ahead of high-rate debt?

We have a solution! Transfer high-rate balances today and pay NO balance transfer fees! Plus, from February 6 through April 30, 2017, transfer balances to your Visa® Platinum or Platinum Rewards for as low as 1.99% Promo APR until April 30, 20182 as low as 7.49% APR thereafter.

Transfer Now!

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

  •  01/01/2017
Credit Card APR (as low as) Alert Me
VISA Platinum 7.49%1
VISA Platinum Rewards 8.75%1
VISA Platinum Secured 7.49%1
VISA Platinum Rewards Secured 8.75%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

VISA Gift Cards

Gift cards are a great option for the hard-to-shop-for-what-do-you-get-the-person-who-has-everything people on your list. 

They're easy to buy (only a $3 processing fee per gift card), require little or no wrapping, and allow recipients to have a say in their gift. First Commonwealth VISA® Gift Cards are available in a variety of designs and amounts from $10 to $1,000. The gift cards are accepted worldwide, wherever VISA® Debit Cards are accepted, and may be used online, by phone or in person.  

Plus, if a VISA® Gift Card is ever lost or stolen, a replacement card can be issued. Simply stop by any of our six convenient locations  to pick up a VISA® Gift Card today and wrap up all your shopping! 




Lost or Stolen Cards

Lost, Stolen or Denied Cards

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

Within the United States, call toll free – 1.855.710.3064

International (call collect)

  • Credit or Debit Cards: 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. 

Contact Member Services

Phone: 610.821.2403

Email: memserv@firstcomcu.org.

Resources

Free education and resources for our members

Calculator

Helps you determine which balance transfers will produce the greatest savings.

Calculator

Helps you determine the best distribution of your credit card debt.

Calculator

Helps you determine if debt consolidation is right for you.

VISA Credit Card Benefit Guides & Agreement

VISA Platinum     VISA Platinum Rewards      VISA Credit Card Agreement

2Visa® Balance Transfer Important Information: The promotional rate is for qualifying borrowers and is as low as 1.99% APR (Annual Percentage Rate) and will be applied to Visa Platinum and Visa Platinum Rewards balance transfers made between February 6, 2017 and April 30, 2017. Balance transfers must post to your account by April 30, 2017 to receive the promotional rate. When you take advantage of the promotional o­ffer, Visa Platinum balance transfers for qualifying borrowers will accrue interest as low as 1.99% APR until April 30, 2018 from the balance transfer date; any remaining balance will begin to accrue interest at the variable rate as low as 7.49% APR, which is subject to change. Visa Platinum Rewards balance transfers for qualifying borrowers will accrue interest as low as 1.99% APR until April 30, 2018 from the balance transfer date; any remaining balance will begin to accrue interest at the variable rate of 8.75% APR, which is subject to change. Payments will be applied as stated in your Visa Consumer Credit Card Agreement. Any existing balances on current First Commonwealth Federal Credit Union loan and/or credit card accounts are not eligible for the balance transfer offer. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the type of card (Platinum or Platinum Rewards) 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%.