SPECIAL OFFER!
Open a Visa Signature Credit Card
Earn unlimited 1.5% cash back* and get $150 cash** when you open a Visa®Signature Credit Card.

Credit Cards

Whether you want to earn rewards, get cash back, or just want a hassle-free, low-rate credit card, Community First has an option for you.

Let us help you choose the right credit card for you

 

Compare Our Credit Cards

 
  Visa® Signature

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Visa® Platinum Rewards

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Visa® Platinum

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Good for Cash Back Rewards points Lowest rate
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
Contactless card blue check mark blue check mark blue check mark
Digital wallets blue check mark blue check mark blue check mark
Free online & mobile banking blue check mark blue check mark blue check mark
Free online bill pay blue check mark blue check mark blue check mark
Free eStatements blue check mark blue check mark blue check mark

Credit Card Rates

Effective 04/13/2023 12:00 PM
Type Rates as low as Conditions
Visa® Platinum Credit Card 13.400% APR Variable rate, subject to change at any time. No annual fee
Visa® Platinum Rewards Credit Card 14.400% APR Variable rate, subject to change at any time. No annual fee
Visa® Signature Credit Card 14.900% 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.

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:
  • Your social security number
  • Valid United States Driver's License, Permanent Resident Card, or United States Passport
  • Your income
Other documentation may be needed depending on your specific financial situation, but the information above is a good starting point and can make it easier to apply for a loan.

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.