First City CU VISA Credit Card

First City CU VISA Credit Card Review

This is a card issued by First City Credit Union. If you're wondering whether first city visa credit card is the right card for you, read on.

Key Takeaways

• Competitive APRs. First City CU VISA Credit Card has a variable purchase APR that ranges from 13.25% up to 18.00%.
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.

Pros & Cons of first city visa credit card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. First City CU VISA Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

first city visa credit card FAQ

Does first city visa credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the first city visa credit card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for first city visa credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

First City CU VISA Credit Card has a variable purchase APR that ranges from 13.25% up to 18.00%. The card has a variable balance transfer APR that ranges from 13.25% up to 18.00%.

What are the fees for first city visa credit card?

The following fees apply:

First City CU VISA Credit Card Fees

Description
Foreign Currency Transaction Fee	1%
Annual Fee	$0
Minimum Interest Charge	$0
Returned Payment Fee	Up to $31
Late Fee Amount	Up to $10

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does First City CU VISA Credit Card report your account activity to credit bureaus?

Yes, First City CU VISA Credit 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 may help improve your credit.

How to apply for first city visa credit card

• Visit the first city visa credit 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.