Credit Cards
Community First Credit Union credit cards come with unique perks that give you freedom to choose. From low APR on balance transfers to cash back bonuses, discover the financial flexibility you've been looking for.
Credit Cards Options
Get 1.5% cash back on everything, everywhere* - it's that simple. New cardholders can earn a $150 cash bonus** and enjoy 1.9% APR on balance transfers and purchases.1
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Earn points on every purchase. You'll get one point per $1 spent with access to special merchant offers.4 New cardholders can earn 10,000 bonus points5 and enjoy 1.9% APR on balance transfers and purchases.3 Apply Now
Our lowest rate credit card. This is a great choice if you're just starting out or normally carry a balance. Plus, take advantage of no balance transfer fee.
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Let us help you choose the right credit card for you
Compare Our Credit Cards
| Visa® Signature Apply |
Visa® Platinum Rewards Apply |
Visa® Platinum Apply |
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|---|---|---|---|
| Benefits | Unlimited 1.5% Cash Back* on all purchases | 1 Rewards Point earned for every $1 spent | Our lowest rate card |
| Purchase & Balance Transfer Rate | 1.9% APR for 12 months on purchases and balance transfers made within the first 90 days1 | 1.9% APR for 12 months on purchases and balance transfers made within the first 90 days1 | 1.9% APR for 12 months on purchases and balance transfers made within the first 90 days1 |
| New Cardholder Offers | $150 Cash Bonus** for spending $1,000+ within the first 90 days | 10,000 Bonus CURewards points for spending $1,000+ within the first 90 days5 | |
| Balance transfer fees | None | None | None |
| Annual fees | None | None | None |
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Balance Transfer Calculator (Florida)
Credit Card Rates
Effective 08/08/2024 10:20 AM
| Type | Rates as low as | Conditions |
|---|---|---|
| Visa® Platinum Credit Card | 14.15% APR | Variable rate, subject to change at any time. No annual fee |
| Visa® Platinum Rewards Credit Card | 15.15% APR | Variable rate, subject to change at any time. No annual fee |
| Visa® Signature Credit Card | 15.65% APR | Variable rate, subject to change at any time. No annual fee |
APR = Annual Percentage Rate
All credit card offers are subject to credit approval. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Terms and conditions apply. Credit, income, and other restrictions apply. Offers may end at any time without notice. All introductory offers are only available for new credit cards. You may not be eligible for introductory credit card offers if you opened a Community First Credit Card within the last 15 months from the date of the new application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance.
1 A $5,000 minimum limit is required on the Visa® Signature Credit Card. In each monthly savings statement, you will be credited a percentage of the U.S. dollar value of net purchases made during that month’s credit card statement cycle. Currently, the Cash Back Rewards percentage is 1.5%; however, this percentage may change at our discretion at any time without advance notice to you.
2 $150 credited to qualifying members’ primary share account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.
3 1.9% APR for 12 months, valid for balance transfers and purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. Credit, income, and other restrictions apply. Offer may end at any time without notice.
Educational Resources
Wondering if adding a credit card to your finances is a smart move? Our lending team explains what you should know and expect.
When looking for your first credit card, a little research goes a long way. We explain what you need to know with tips to help you compare and choose.
Be empowered to reach your financial goals at every stage of life with our free moveUP Financial Wellness Program. Access our quick and easy moveUP modules anytime, anywhere.
Your credit score is a significant financial indicator for potential lenders. Find out why your credit score is so important and how you can improve it.
Loans have a lot of specific terms and jargon that can be confusing. We explain the basics so you can be empowered and informed.
FAQs
Am I eligible for membership at Community First Credit Union?
Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia.
Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to select employer groups, including employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. Not sure if you qualify? Contact us.
How do I apply for a credit card?
You can apply for a credit card online or in a branch. It takes minutes to complete the application, and eligible borrowers receive approvals in minutes. Call our Express Team to get started at 904.204.8494.
What do I need to apply for a credit card?
To apply for a credit card, you'll need the following:
If this is your first account with Community First Credit Union, an initial deposit of $5 in a Share Savings Account is required to establish membership.
- Your social security number
- Valid United States Driver's License, Permanent Resident Card, or United States Passport
- Your income
If this is your first account with Community First Credit Union, an initial deposit of $5 in a Share Savings Account is required to establish membership.
All credit card offers are subject to credit approval. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Terms and conditions apply. Credit, income, and other restrictions apply. Offers may end at any time without notice. All introductory offers are only available for new credit cards. You may not be eligible for introductory credit card offers if you opened a Community First Credit Card within the last 15 months from the date of the new application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. The minimum limit is $500.
*A $5,000 minimum limit is required on the Visa® Signature Credit Card. In each monthly savings statement, you will be credited a percentage of the U.S. dollar value of net purchases made during that month's credit card statement cycle. Currently, the Cash Back Rewards percentage is 1.5%; however, this percentage may change at our discretion at any time without advance notice to you.
**$150 credited to qualifying members’ primary share account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.
1 APR= Annual Percentage Rate. 1.9% APR for 12 months, valid for balance transfers and purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. Credit, income, and other restrictions apply. Offer may end at any time without notice.
2 For more details about Rewards Accrual, see our CURewards Rules page. (hyperlink CURewards Rules page to https://staging13.communityfirstfl.org/resources/cu-rewards)
3 10,000 bonus points credited to qualifying members rewards account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.
*A $5,000 minimum limit is required on the Visa® Signature Credit Card. In each monthly savings statement, you will be credited a percentage of the U.S. dollar value of net purchases made during that month's credit card statement cycle. Currently, the Cash Back Rewards percentage is 1.5%; however, this percentage may change at our discretion at any time without advance notice to you.
**$150 credited to qualifying members’ primary share account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.
1 APR= Annual Percentage Rate. 1.9% APR for 12 months, valid for balance transfers and purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. Credit, income, and other restrictions apply. Offer may end at any time without notice.
2 For more details about Rewards Accrual, see our CURewards Rules page. (hyperlink CURewards Rules page to https://staging13.communityfirstfl.org/resources/cu-rewards)
3 10,000 bonus points credited to qualifying members rewards account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.