Last Updated: 07/28/2025
First Financial FCU Cashback Rewards Visa Signature Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.49% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
15.49% - 18.00%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
N/A
First Financial FCU Cashback Rewards Visa Signature Credit Card Review
This is a cashback credit card issued by First Financial Federal Credit Union. If you're wondering whether First Financial FCU Cashback Rewards Visa Signature Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: First Financial FCU Cashback Rewards Visa Signature Credit Card has a variable regular purchase APR that ranges from 15.49% up to 18.00%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 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, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of First Financial FCU Cashback Rewards Visa Signature Credit Card
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First Financial FCU Cashback Rewards Visa Signature Credit Card FAQ
Does First Financial FCU Cashback Rewards Visa Signature Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back - 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Financial FCU Cashback Rewards Visa Signature Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Financial FCU Cashback Rewards Visa Signature Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Financial FCU Cashback Rewards Visa Signature Credit Card benefits?
First Financial FCU Cashback Rewards Visa Signature Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Financial FCU Cashback Rewards Visa Signature Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.First Financial FCU Cashback Rewards Visa Signature Credit Card has a variable purchase APR that ranges from 15.49% up to 18.00%. The card has a variable balance transfer APR that ranges from 15.49% up to 18.00%. It also has a variable cash advance APR that ranges from 15.49% up to 18.00%.
Does First Financial FCU Cashback Rewards Visa Signature Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
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| Balance Transfer APR | 15.49% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Financial FCU Cashback Rewards Visa Signature Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for First Financial FCU Cashback Rewards Visa Signature Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does First Financial FCU Cashback Rewards Visa Signature Credit Card have a foreign transaction fee?
First Financial FCU Cashback Rewards Visa Signature Credit Card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for First Financial FCU Cashback Rewards Visa Signature Credit Card?
The customer service number for First Financial FCU Cashback Rewards Visa Signature Credit Card is (800) 903-3328.
What is the support contact email for First Financial FCU Cashback Rewards Visa Signature Credit Card?
The support contact email for First Financial FCU Cashback Rewards Visa Signature Credit Card is support@firstfinancial.org.
What is the login page for First Financial FCU Cashback Rewards Visa Signature Credit Card?
You can access the login page of First Financial FCU Cashback Rewards Visa Signature Credit Card here.
How do people rate the customer service and user experience of First Financial FCU Cashback Rewards Visa Signature Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Financial FCU Cashback Rewards Visa Signature Credit Card report your account activity to credit bureaus?
Yes, First Financial FCU Cashback Rewards Visa Signature Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does First Financial Federal Credit Union perform a hard credit pull?
Yes, First Financial FCU Cashback Rewards Visa Signature Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Financial FCU Cashback Rewards Visa Signature Credit Card
- Visit the website of First Financial FCU Cashback Rewards Visa Signature Credit Card.
- 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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed