Credit Card Offers & Application

Balance Transfer Offer: Are you ready to find balance this year? Reach your goals with one easy step by consolidating your credit card debt into a low rate card from First Commerce. Now through March 31, we’re offering a special promotion of 3.99% APR* on balance transfers for 6 months. Our everyday low variable rate for purchases and cash advances is 10.24%. Plus, FCCU credit cards have no annual fee and are easy to manage through iBranch! digital banking. We have a rewards option and credit cards for businesses, too!

With low rates and the option to earn rewards on every dollar you spend, First Commerce has the best Visa credit card offers. We make it easy to review and manage your credit card right from online banking with your other First Commerce accounts, and you can speak with one of our Financial Services Officers in person or by phone at any time.

We make it easy to link your FCCU credit card to your other First Commerce accounts so you'll never have to worry about overdrafting again! And our iEarn!50+ Checking accountholders receive the extra benefit of no foreign transaction fees.

Learn how to reach your financial goals with free SmartMoney Online workshops!

Secure your Visa credit card with Verified by Visa - Protect your cards with your own personal password so only you can purchase items online.

Low Interest Rate Credit Cards

Pay off your debt more easily with a card that offers a low rate – no gimmicks or hidden charges.


Rewards Credit Cards

Earn rewards points with every purchase, then redeem them for travel, gift cards, cash and more!


VISA Credit Card Benefits

Visit for a list of full benefits.

24-hour cardholder information and assistance by phone to all Visa cardholders calling from anywhere in the world, provided by Visa Global Customer Care Services. Just call Visa Global Customer Care Services at 1-800-847-2911, or call one of our global Toll-free numbers.

Visa credit cardholders can get an emergency cash advance or a card replacement within one business day – or even within 24 hours in some cases – after approval. We'll block your card (if the card number is known) and connect you to First Commerce. Visa can also work with First Commerce to expedite the replacement of your card and ship it globally within 24 to 72 hours. Alternatively in case of emergency, we can also arrange a wire cash transfer to your local Western Union within 2 hours of approval from First Commerce.

Use your Visa card to make purchases anywhere and you’re protected from unauthorized use of your card or account information. With the Visa Zero Liability policy, your liability for unauthorized transactions is $0 – you pay nothing.

Complete the entire rental transaction on your Visa card and receive reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. Coverage includes:

  1. Physical damage and/or theft of the covered rental vehicle.
  2. Valid loss-of-use charges imposed and substantiated by the auto rental company through a fleet utilization log.
  3. Reasonable and customary towing charges, due to covered theft or damage loss, to the nearest qualified repair facility.

Please visit for full coverage details.

Call 1-800-847-2869 to connect to the Roadside Dispatch service.

  1. Applies to rental cars as well as your own motor vehicle. Services included in a $69.95 service call include:
  2. Towing1 (up to five miles included)
  3. Tire changing (must have good, inflated spare)
  4. Jump-starting (battery boost)
  5. Lockout service (no key replacement)
  6. Fuel delivery (up to five gallons and the cost of fuel not included)
  7. Winching2 (within 100 feet of paved or county maintained road only)

Please visit for full coverage details.

1Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program. Cardholders are required to pay the service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee.

2Additional fees may apply for winching services under certain circumstances.

Call Visa Global Customer Care Services at 1-800-847-2911, or if you’re outside the U.S., just call one of our global Toll-free numbers. Visa’s service is free but any costs incurred from services provided are your responsibility. Examples of this service include:

  1. Emergency Message Service: Record and relay messages for travelers, immediate family members, or business associates
  2. Medical Referral Assistance: Can give you names of English-speaking doctors, dentists, or hospitals. Assign a doctor to consult by phone with local medical personnel. Keep in contact with your family; help arrange medical payment from your Visa or personal account.
  3. Legal Referral Assistance: Arrange contact with English-speaking attorneys and with U.S. embassies or consults if you’re detained by local authorities, have a car accident, or need legal assistance. Coordinate bail payment from your Visa or personal account. Follow up to make sure bail has been properly handled.
  4. Emergency Transportation Assistance: Arrangements for emergency transportation home or to nearest medical facility. Arrange to bring children home, keep in contact with family members and employers. In case of death, they make arrangements to return remains home.
  5. Emergency Ticket Replacement: Helps with carrier’s lost ticket reimbursement process. Delivery of replacement ticket to you.
  6. Lost Luggage Service: Help you through the common carrier’s claim procedures and arrange shipment of replacement items. You are responsible for shipping costs.
  7. Emergency Translation Service: Telephone assistance in all major languages and helps find local interpreters if needed.
  8. Prescriptions Assistance and Valuable Document Delivery Arrangements: Help get prescriptions filled or replaced. Arrange pickup and delivery
  9. Pre-Trip Assistance: Give you information on your destination before you leave – ATM locations, currency exchange rates, weather reports, health precautions, immunizations, requites passport visas.

Review our credit card application disclosures for complete information. For more information or help applying for a credit card, call 850.488.0035 or 1.800.533.5772 or visit any of our locations.

*APR = Annual Percentage Rate. Introductory balance transfer rates valid for any balance transfers initiated January 7-March 31, 2019, and remain in effect on the transferred balances for 6  billing cycles from the date of the first account transferred. Balance transfers made after March 31, 2019, will be at the rate disclosed in your account opening disclosure. After the 6th billing cycle, all transferred balances convert to the rate stated in your credit card account opening disclosure, currently 10.24%-17.24% APR for Visa Platinum, 13.49%-17.49% APR for Visa Platinum Rewards based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Rates are effective as of January 1, 2019. There is no grace period on your balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases. To avoid interest on new purchases after you transfer a balance, you must pay all balances on your account, including any balances you transfer under this offer, in full by the first payment due date. Offer good on non-FCCU loan/credit card transfers only. Balance transfer fees waived January 7-March 31, 2019, after which they will return to the current fee of 2.50%. Other restrictions may apply. See credit union for details. Equal Housing Opportunity.