Visa® Classic
Start building your credit with Visa® Classic, a fixed-rate card with 0.50% cashback1. A strong credit score can help you qualify for better loan rates.
VISA® CREDIT CARDS.
Explore Visa® credit cards that reward your spending with cashback, perks and benefits.
Find the card that fits the way you spend.
From building credit to earning premier rewards, every Firefighters First credit card is backed by Visa® and built for the Fire Family. Here is how they compare so you can find the right fit.
Visa® Platinum
Get the perfect combination—a low rate, 1.00% cashback1 on every $1 you spend and Visa’s new purchase protections.
Visa Signature®
Choose the Visa Signature® card for 2.00% cashback1, premier rewards, benefits and services exclusive to this card.
Three cards. Find your perfect match.
Every Firefighters First Visa® credit card comes with no annual fee and no foreign transaction fees. Compare your options and find the one that fits your spending habits and financial goals.
Visa® Classic
Build credit and qualify for better loan rates.
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Unlimited 0.50% Cashback1 -
Fixed 11.99% APR2
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Purchase Security
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Auto Rental Collision Coverage
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No Annual Fee
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No Balance Transfer Fees
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No Foreign Transaction Fees
Visa® Platinum
Low rate and cashback on every dollar you spend.
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Unlimited 1.00% Cashback1
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8.99% to 16.99% APR2
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Purchase Security
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Auto Rental Collision Coverage
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No Annual Fee
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No Balance Transfer Fees
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No Foreign Transaction Fees
Visa Signature®
Premier rewards and benefits exclusive to this card.
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Unlimited 2.00% Cashback1
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14.74% – 17.99% APR2
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Cell Phone Protection
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Rideshare Protection
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Travel and Dining Discounts
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24/7 Concierge3
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No Annual Fee
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No Balance Transfer Fees
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No Foreign Transaction Fees
Credit card rates & interests2
| Rate / Charge | Visa® Classic | Visa® Platinum | Visa Signature® |
|---|---|---|---|
| Annual Percentage Rate (APR) for Purchase | 11.99% | 8.99% – 16.99%* | 14.74% – 17.99%** |
| APR for Balance Transfer | 11.99% | 8.99% – 16.99% | 14.74% – 17.99% |
| APR for Cash Advances | 11.99% | 8.99% – 16.99% | 14.74% – 17.99% |
*When you open your account based on creditworthiness.
**Variable rate. When you open your account based on creditworthiness.
The benefits come standard. Here is what each card includes.
| Benefit | Visa® Classic | Visa® Platinum | Visa Signature® |
|---|---|---|---|
| Unlimited Cashback Rewards1 | ✓ | ✓ | ✓ |
| Visa Zero Liability Protection4 | ✓ | ✓ | ✓ |
| Auto Rental Collision Damage Waiver | ✓ | ✓ | ✓ |
| Hotel Theft Protection | ✓ | ✓ | ✓ |
| Lost Luggage Reimbursement | ✓ | ✓ | ✓ |
| Price Protection | ✓ | ✓ | ✓ |
| Purchase Security & Extended Protection | ✓ | ✓ | ✓ |
| Return Protection | ✓ | ✓ | ✓ |
| Travel Accident Insurance | ✓ | ✓ | ✓ |
| Travel & Emergency Assistance | ✓ | ✓ | ✓ |
| Cellphone Protection | ✓ | ||
| Rideshare Protection | ✓ | ||
| Travel, Dining & Retail Offers/ Discounts | ✓ | ||
| 24/7 Visa Signature® Concierge3 | ✓ |
Cashback Redemption
Earn cashback on every purchase.1
Your spending should work for you. Every eligible purchase on a Firefighters First Visa® card earns unlimited cashback automatically, with no points to manage, no categories to activate and no expiration date on what you accumulate. Rates vary by card type, and you can redeem your rewards anytime directly to your Firefighters First checking or savings account.
Tap to Pay
No swiping. No inserting. Just tap and go.
Checkout should be fast and effortless. Your Firefighters First card supports contactless tap to pay at any compatible terminal, so there is no need to swipe, insert or hand your card to anyone. Built-in chip technology and contactless encryption keep every transaction secure, whether you are at a register, a gas station or a transit terminal.
CARD ACTIVATION
Your new card is ready. Let’s get it activated.
Got a new Firefighters First card? Activation takes just a few minutes by phone. If you recently received a replacement or reissued card, we’ll also walk you through updating your saved payment information with merchants and services.
DIGITAL WALLET
Pay smarter with your digital wallet.
Add your card to your digital wallet for a faster, more secure way to pay. Each transaction uses advanced encryption and unique codes, so your card number is never shared with merchants. Pay in stores, online or in apps with confidence.
CARD MANAGEMENT
Manage your cards anytime, anywhere.
Take full control of your cards directly in the FireFirstCU mobile app. Turn cards on or off, view details, set alerts, add travel notices, update nicknames, control transactions and manage your PIN. Everything you need to stay secure, flexible and in control.
1. Certain restrictions, limitations, and exclusions apply. Refer to full program terms and conditions to confirm specific coverage levels.
2. Visa® Classic 11.99% APR (Annual Percentage Rate). Visa® Platinum (fixed rate) 8.99% – 16.99% APR, when you open your account based on credit worthiness. Visa® Signature (variable rate) 14.49% – 17.99% APR, when you open your account based on credit worthiness.
3. Cardholders are responsible for the cost of any goods or services purchased by the Visa® Signature Concierge on cardholders’ behalf.
View the complete Benefits Guide for Visa® Classic and Visa® Platinum Cards.
View the Pricing Information Addendum – Credit Line Account Agreement and Federal Disclosure Statement
View the Visa® Signature Benefits Guide.
Federally insured by NCUA.
Subject to credit approval.