Take Charge of Your Money

Take Charge of Your Money

Whether you’re paying for everyday purchases or consolidating high-interest debt, we’ve got the low-rate credit cards to help you stay in control of your finances.

We have a credit card with the features you're looking for:

Two credit cards
Rates as low as 8.65% APR.
View Rates
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No annual fees, no over limit fees, and low cash advance fees.
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Earn one point for every dollar spent with Visa Platinum Rewards. Receive 2,500 bonus points after first use.
"The financial wellness of our community is important to 1st United. A low-rate credit card with no annual fee is just one aspect of a good money management."

—Tosha, Chief Lending Officer


Two great options to choose from:



Visa Platinum Rewards Credit Card

Visa Platinum Rewards

Turn everyday purchases into rewards points that are redeemable for travel, gift cards, merchandise – even cash!

Visa Platinum Credit Card

Visa Platinum

Keep it simple with one low rate for purchases, balance transfers, and cash advances.

Rewards Credit Card FAQs

Earn one point for every dollar you spend on eligible Visa Platinum Rewards credit card purchases. You can also earn up to double points on purchases with our Rewards Checking account.
 
We keep track of all the points you’ve earned and provide your balance on a quarterly Visa Rewards summary statement. You can also log in to your Rewards account to view them.
Points are good for five years from the month they’re earned, giving you plenty of time (and ways) to use your points.
You can redeem points at any time.
You can use your points to purchase merchandise, gift cards, travel, concert tickets, and more. You can also redeem points for cash. Explore the many ways you can use points on our Rewards site.
Points may not be combined with or transferred to other reward programs.
Visa  Platinum Rewards: APR (Annual Percentage Rate) as of October 1, 2021, is subject to change, is a variable rate ranging between 9.65% APR and 19.65% APR, is tied to the Prime Rate and is based on creditworthiness. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Balance transfer fee is $5.00 or 2% of the transfer amount, whichever is greater. 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. Cash advances, balance transfers, and existing Visa Platinum upgrade balances do not qualify to earn points. 2,500 bonus points credited after first use. Program is subject to Terms and Conditions. View our full Visa disclosure.

Visa Platinum: APR (Annual Percentage Rate) as of October 1, 2021, is subject to change, is a variable rate ranging between 8.65% APR and 18.65% APR, is tied to the Prime Rate 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. Balance transfer fee is $5.00 or 2% of the transfer amount, whichever is greater. 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.
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Discover the Credit Union Difference!

Apply today if you live, work, or attend school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties.