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  1st Financial Federal Credit Union Visa Signature Rewards Card

1st Financial Federal Credit Union Visa Signature Rewards Card

in Personal Credit Cards from 1st Financial Federal Credit Union

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1st Financial Federal Credit Union Visa Signature Rewards Card

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in Personal Credit Cards from 1st Financial Federal Credit Union

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 12.24% - 18%
Balance Transfer APR  (Variable APR) 15.24% - 18%
Credit Score Range 700 - 850

1st Financial Federal Credit Union Visa Signature Rewards Card Review

1st Financial Federal Credit Union Visa Signature Rewards Card is a rewards credit card issued by 1st Financial Federal Credit Union. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether 1st Financial Federal Credit Union Visa Signature Rewards Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a 1st Financial Federal Credit Union Visa Signature Rewards Card cash back or rewards program?

1st Financial Federal Credit Union Visa Signature Rewards Card offers a rewards program to its customers.

1st Financial Federal Credit Union Visa Signature Rewards Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 1%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 15000
Signup Bonus Spend Requirement $1500
Signup Bonus Spend Period (months) 3 months

Does 1st Financial Federal Credit Union Visa Signature Rewards Card have a signup bonus?

1st Financial Federal Credit Union Visa Signature Rewards Card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus after spending $1500 that can be redeemed for travel, gifts, or other perks.

Does 1st Financial Federal Credit Union Visa Signature Rewards Card offer an annual loyalty bonus?

1st Financial Federal Credit Union Visa Signature Rewards Card doesn't offer a cash loyalty bonus.

What are the 1st Financial Federal Credit Union Visa Signature Rewards Card benefits?

1st Financial Federal Credit Union Visa Signature Rewards Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for 1st Financial Federal Credit Union Visa Signature Rewards Card?

1st Financial Federal Credit Union Visa Signature Rewards Card has a variable purchase APR that ranges from 12.24% up to 18%. The card has a variable balance transfer APR that ranges from 15.24% up to 18%.

It also has a variable cash advance APR that ranges from 15.24% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does 1st Financial Federal Credit Union Visa Signature Rewards Card have an introductory APR offer?

Yes, 1st Financial Federal Credit Union Visa Signature Rewards Card offers an introductory APR rate on balance transfers of 3.99% for a period of up to 12 months.

1st Financial Federal Credit Union Visa Signature Rewards Card does not offer an introductory rate on new purchases.
1st Financial Federal Credit Union Visa Signature Rewards Card Balance Transfers
Description
Balance Transfer APR 15.24% - 18%
Introductory Rate 3.99%
Intro APR period (months) 12
1st Financial Federal Credit Union Visa Signature Rewards Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 12.24% - 18%
Credit Limit N/A
Penalty APR 18%
Cash Advance APR 15.24% - 18%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

What are the 1st Financial Federal Credit Union Visa Signature Rewards Card fees?

The following fees apply to 1st Financial Federal Credit Union Visa Signature Rewards Card:

1st Financial Federal Credit Union Visa Signature Rewards Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $27
Late Payment Fee $18

Does 1st Financial Federal Credit Union Visa Signature Rewards Card have a foreign transaction fee?

1st Financial Federal Credit Union Visa Signature Rewards Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does 1st Financial Federal Credit Union Visa Signature Rewards Card report your account activity to credit bureaus?

1st Financial Federal Credit Union Visa Signature Rewards Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for 1st Financial Federal Credit Union Visa Signature Rewards Card

  • Visit the 1st Financial Federal Credit Union website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

About 1st Financial Federal Credit Union Visa Signature Rewards Card

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View all personal credit cards offered by 1st Financial Federal Credit Union

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 25
Cash Advance Fee (%) 2%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 1%
Late Fee Amount $18
Returned Payment Fee $27
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range 700 - 850
Card Network
  • Visa
Card Type
  • Balance Transfer
  • Bonus Offers
  • Low Interest
  • Rewards
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
Emergency Support  
Extended Warranty  
Fraud Liability  
Bonus Rewards Earn 15,000 bonus points for the first $1,500 spent in 90 days
Every Purchase Earn one reward point for every dollar spent
Rewards Categories
  • Every Purchase
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) 15.24% - 18%
Purchase APR (Variable APR) 12.24% - 18%
Balance Computation average daily balance (including new purchases)
Penalty APR 18%
Balance Transfer APR (Variable APR) 15.24% - 18%
Intro APR period 12
Introductory Rate 3.99%

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1st Financial Federal Credit Union Personal Credit Cards

Product

Reviews

Annual Fee

Purchase APR

Balance Transfer APR

Credit Score Range

1st Financial Federal Credit Union Visa Premier Rate Card
Annual Fee $0 Annual Fee
Purchase APR 10.24% - 18%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 13.24% - 18%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 700 - 850     300 850
1st Financial Federal Credit Union Visa Blue Secure Card
Annual Fee $0 Annual Fee
Purchase APR 18% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 300 - 850     300 850
1st Financial Federal Credit Union Visa Blue Forward Card
Annual Fee $0 Annual Fee
Purchase APR 15.24% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 300 - 850     300 850