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Whether you're looking to earn cash back on everyday purchases or pay down high-interest debt, 1st United has a Visa credit card to fit your goals. Compare your options below and choose the card that's right for you.
New! Meet Our Upgraded Visa Rewards Card3% Cash Back on Restaurants, Gas, and EV Charging
1% Cash Back on All Other Purchases
0% Intro APR, Then as Low as 13.15% APR$100 Bonus When You Spend $1,000 in the First 90 Days
Visa Platinum Rewards
Earn up to 3% cash back on eligible everyday purchases, plus redeem your cash back for CashBack+ gift cards for even more value.
0% Introductory APR for Six Months. As Low as
13.15% APR Thereafter
Earn 3% cash back on restaurants and gas/EV charging, and 1% cash back on all other purchases
Redeem cash back for CashBack+ gift cards or transfer to your 1st United checking or savings account. Learn more about CashBack+
Visa Platinum
Keep it simple with one incredibly low rate for purchases, balance transfers, and cash advances. Perfect for consolidating high-interest debt into one low monthly payment.
0% Introductory APR for Six Months. As Low as
12.15% APR Thereafter
Visa Platinum Share Secured
Perfect for if you’re just getting started on building credit or need to get back on track. Simply deposit funds into a 1st United savings account where they will be held and earn interest, and you'll receive a credit limit equal to your deposit.
As Low as 9.15% APR
Secure as little as $250 or as much as $2,500 in an interest-bearing savings account to enjoy this low-rate card.
Visa Services
(833) 285-1738
(833) 285-1738
- Visa credit/debit PIN by phone
- Report lost/stolen Visa
Ready to Get Started?
Our simple 3-step online application makes applying for a Visa Platinum or Visa Platinum Rewards card easy.
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Visa Platinum Rewards: APR (Annual Percentage Rate) as of July 1, 2026, is a 0% introductory rate for 180 days following account opening on purchases and balance transfers, then reverts to the standard variable rate tied to the Prime Rate, currently ranging between 13.15% APR and 23.15% APR, and is based on creditworthiness. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. Loans are subject to credit approval. View our full Visa disclosure (PDF 222.4 kB ).
CashBack+ details: Cardholders will earn 1% CashBack+ Balance on all spending with no cap and 3% CashBack+ Balance on purchases on these two categories: 1. Restaurants and 2. Gas/EV charging, with an annual cap of $4,000 in spending per category per credit card account. Annual is calculated per calendar year. Purchases in designated cash back categories beyond the annual cap will receive the standard 1%. 1st United does not control merchant category assignments and is not responsible for incorrectly coded transactions. CashBack+ Balance earned through spending will accrue on a monthly basis. CashBack+ Balance earned through gift card purchase will accrue immediately. CashBack+ Balance may be forfeited if account is not in good standing.
$100 spend bonus: $100 will be credited to CashBack+ Balance on the first day of the month following after the $1,000 threshold is met. Balance transfers and cash advances do not count toward spending total.
Please review complete CashBack+ Terms and Conditions.
Visa Platinum: APR (Annual Percentage Rate) as of July 1, 2026, is a 0% introductory rate for 180 days following account opening on purchases and balance transfers, then reverts to the standard variable rate tied to the Prime Rate, currently ranging between 12.15% APR and 22.15% APR, and is based on creditworthiness. Loans are subject to credit approval. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. View our full Visa disclosure (PDF 222.4 kB ).
Visa Platinum Share Secured: APR (Annual Percentage Rate) as of July 1, 2026, is subject to change, is a variable rate currently at 9.15% APR, and is tied to the Prime Rate. Must be at least 18 years of age and have the requested credit limit amount in a 1st United savings account. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. View our full Visa disclosure (PDF 222.4 kB ).
Shop with confidence with Visa’s Zero Liability Policy. You won't be held responsible for unauthorized charges made with your account or account information.
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