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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.

Pros & Cons of 1st Financial Federal Credit Union Visa Signature Rewards Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Travel Assistance.
  • Earn rewards on every purchase.
  • 1st Financial Federal Credit Union Visa Signature Rewards Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Rewards bonus rate of only 1%.
  • 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
    • Zero fraud liability
    • Travel Assistance
    • Reports to major credit bureaus

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

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 1st Financial Federal Credit Union Visa Signature Rewards Card has lower than average purchase APRs.

    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 Visa Signature Rewards Card website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
    • 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

    Every Purchase (Points) Earn one reward point for every dollar spent
    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
    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
    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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    Other Personal Credit Cards

    1st Financial Federal Credit Union Personal Credit Cards

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    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    1st Financial Federal Credit Union Visa Premier Rate Card
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    Purchase APR 10.24% - 18%
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    Balance Transfer APR 13.24% - 18%
    (Variable APR)
        5% 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
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    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
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