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Credit Cards

When you have a VISA® Credit Card from First Commonwealth, you'll enjoy:

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

Kick Back and Enjoy Some Cash Back!

Learn how you can get an extra $100 Cash Back when you open a new Empower Visa Signature Card between June 1 and August 31, 2020.

PLUS: No annual or foreign transaction fees!


Visa® Signature
VISA Signature

Earn Cash Back!

Earn 1.5% Cash Back on every purchase you make. Earn even more Cash Back at select retailers!


Visa® Rewards

VISA Rewards

Earn Points!

Earn 1 point for every dollar you spend. Redeem in our rewards mall - full of thousands of items!


Visa® Platinum

VISA Platinum

Great Rate!

Our lowest rate card. Perfect for consolidating credit card debt with no transfer fees!


We also offer a Visa Platinum Secured Card.
With no credit check required, they are a great way to build your credit score and history.



Our Cards


a Balance


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Table data for Credit Cards
Credit Card APR (as low as)1 Alert Me
VISA Signature 14.25%
VISA Platinum Rewards 8.25%
VISA Platinum 6.99%
VISA Platinum Secured 6.99%
View the Visa Application and Solicitation Disclosures:
  • 1APR=Annual Percentage Rate. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the type of card, 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%; Visa Signature: The APR is equal to Prime Rate plus a margin of 11% and will never be greater than 18%.

**APR = Annual Percentage Rate. Rate eligible for balance transfers made by 4.30.2020 and is good through 4.30.2021. Any balance transfer made after 4.30.2020 or any balance that remains after 4.30.2021 will receive the card’s normal balance transfer rate, currently as low as 8.49%APR for Platinum and 9.75% for Platinum Rewards.

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

CLICK HERE to view the VISA Consumer Credit Card Agreement.
CLICK HERE to view the Application and Solicitation Disclosure.