First Commonwealth Federal Credit Union
Forbes 2019 Best in State credit unions

Credit Cards

When you have any Visa credit card from First Commonwealth, you'll enjoy:

  • 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 Apply Now

Ready to Apply?

 It's quick and easy to apply for a First Commonwealth Visa!

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Compare Our Cards 

Not sure if you want a rewards card or maybe even a secured card?

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Visa

Transfer a Balance

Complete our online form to transfer balances to your First Commonwealth Credit Card

Transfer Now

Visa rewards program

Reward Yourself

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.

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Auto refinance

Benefits

Our cards also come with Visa benefits including Auto Rental Collision Damage Waiver, Travel & Emergency Assistance Services1, Warranty Manager Service and more.

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lost or stolen card call

Lost or Stolen Card

Call toll free: 1.855.710.3064
Internationally, call collect: 1.303.967.1096

Printable Rates

Table data for Credit Cards
 10-19-2019
Credit Card Intro APR1 APR (as low as)2 Alert Me
VISA Platinum 2.49% 8.74%
VISA Platinum Rewards 2.49% 10.00%
VISA Platinum Secured 2.49% 8.74%
VISA Platinum Rewards Secured 2.49% 10.00%
View the Visa Application and Solicitation Disclosures: https://bit.ly/2Ak5gaA
  • 1*Promotional Period for Introductory Annual Percentage Rate (APR). The Introductory APR for balance transfers, cash advances and purchases will apply to transactions posted to your account within 180 days of account opening. The introductory rate will be applied to Visa Platinum and Visa Platinum Rewards purchases, balance transfers and cash advances made during the first six billing cycles after Visa open date; any remaining balance will begin to accrue interest at the variable rate (based on creditworthiness), 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 introductory APR. Income verification required for credit lines of $10,000 and greater.↵
  • 2APR=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%.↵

Protection for Your Card

VISA Purchase Alerts

With Visa Purchase Alerts, you’ll receive real-time text alerts based on preferences you select yourself. When a transaction occurs outside of the parameters you set, you’ll receive a real-time text alert so you can put a stop to fraud the moment it occurs.

VISA - Zero Liability Policy

Covers US issued credit cards. Contact us immediately if there has been unauthorized use of your credit card.

Real Time Fraud Protection

For your protection, credit authorizations are reviewed in "real time" at the point of purchase and compared to your usual spending patterns, as well as known fraud trends, to detect unusual activity.

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.