Apply Now
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No annual fee and 0% APR1
introductory rate on balances for six months.

No annual fee • No balance transfer fee • No rotating categories • Visa® accepted worldwide
Apply Now

Takes just a few minutes

Ready to earn premium rewards and make it easier to reduce your debt?

The answer is a First Financial Visa® credit card! When you transfer your high-rate credit card balances to our Cashback Rewards Visa Signature card or Traditional Rewards Visa card, you'll enjoy a 0% APR1 introductory rate on balances for six months – with no balance transfer fee! That’s a lot of ways to help you reduce your debt.

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Traditional Rewards Visa® Credit Card

Credit limits up to $15,000
1% cashback rebates on purchases
Fixed rates from 9.90%-18.00% APR2
Exclusive cardholder deals on food, shopping, hotels, and more.
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Cashback Rewards Visa® Signature Card

Credit limits up to $35,000
1.5% to 2%3 cashback rebates on purchases
Variable rates from 13.74%-18.00% APR4
Special perks include NortonLifeLock Protection, car rental discounts, and shopping deals.

Choose the card that fits how you spend

Simple rewards.

Best for members who want easy cash back and predictable rates.

Traditional Rewards Visa® Credit Card

Traditional Rewards Visa® Credit Card

Best for Lower Fixed Rates
 Fixed APR 9.90%–18.00% APR2
  • 1% cash back rebates on purchases
  • Credit Limits up to $15,000
Apply Now

No annual fee – Takes just a few minutes

Earn more. Get more.

Best for frequent spenders who want higher rewards and premium perks.

Cashback Rewards Visa® Signature Card

Cashback Rewards Visa® Signature Card

Best for Earning More Cash Back
Variable APR 13.74%–18.00% APR3
  • 1.5–2% cash back4 rebates on purchases
  • Credit Limits up to $45,000
Apply Now

No annual fee – Takes just a few minutes

Which Card Is
Right for You?

Choose our Traditional Rewards Visa®, or opt for our Cashback Rewards Visa® Signature to earn higher cash back on every purchase.

Here's What You Get

Earning rewards with your First Financial Visa credit card is simple and straightforward — no rotating categories or complicated tracking. Just use your card for everyday purchases and earn cash back on it all.

No annual fee and no balance transfer fee

No annual fee and
no balance transfer fee

0% Introductory rate for qualified members

0% Introductory rate for qualified members

Same rate for purchases, cash advances and balance transfers

Same rate for purchases, cash advances and balance transfers

Earn rewards on every purchase

Earn rewards on every purchase

Digital issued card upon approval

Digital issued card upon approval

Heres What You Get

Earning rewards with your First Financial Visa credit card is simple and straightforward — no rotating categories or complicated tracking. Just use your card for everyday purchases and earn cash back on it all.

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No annual fee and
no yearly costs
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0% Introductory rate for qualified members
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Same rate for purcahses, cash advances and balance transfers
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Same rebates on purchases
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Digital issued card upon arrival

Applying is quick and Secure. Here's What to Expect

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I. Apply online
Complete a short application in just a few minutes.

2. Get a quick decision
Most applicants receive a response right away.

3. Start using your card
Approved members can access their digital card upon approval.

Takes just a few minutes

Applying Is Quick and Secure. Here’s What to Expect.

Applying Is Quick and Secure. Here’s What to Expect.

1.Apply online

Complete a short application in just a few minutes.

2.Get a quick decision

Most applicants receive a response right away.

3.Start using your card

Approved members can access their digital card upon approval.
Apply Now
Readers' Choice Winner!

Voted Best Bank/Credit Union by Baltimore Sun readers
— Four Years Running.

Baltimore-Suns-Best-2025-Ribbon-Readers-Choice-Winner

Questions about our rewarding Visa credit cards? We’re here to help! Give us a call at 410-321-6060 or toll-free at 800-903-3328.

 

1APR means Annual Percentage Rate. 

2APR means Annual Percentage Rate. Rates are good as of 1/1/2026, and are based on creditworthiness. For additional terms, conditions and disclosures, view our Cardholder Agreement. 

3APR means Annual Percentage Rate. Rates are good as of 1/1/2026, are based on creditworthiness; and will vary with the market based on the Prime Rate. For additional terms, conditions and disclosures, view our Cardholder Agreement.

4A cash rebate of 2% is contingent upon opening and maintaining Better Rewards Checking; otherwise, purchases earn a 1.5% cash rebate. See requirements for Better Rewards Checking.

Membership eligibility required. Insured by NCUA.

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Don't Just Bank, Belong.®

410-321-6060, Option 4 | Routing Number: 2550 7767 1

©Copyright 2025, First Financial Federal Credit Union. All Rights Reserved.

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