Featured Credit Card
Visa® Platinum Card
Community First Credit Union’s Visa® Platinum Credit Card offers the lowest interest rate of all credit cards, has no annual fee, and gives you access to exclusive cardholder offers. View rates.
Benefits of a Visa® Platinum Credit Card
Special Balance Transfer Rate
Enjoy 0% APR on balance transfers3 for 12 months.
Special Purchase Rate
Enjoy 1.9% APR4 on purchases for the first 12 months.
No Annual Fee
Get all the benefits and features of a great Visa® Credit Card with no annual fee.
Card controls
Control your credit card from Online and Mobile Banking. You can freeze cards, set alerts, make payments, and more.
Real-time text alerts
Easily monitor account activity and quickly identify potential fraud in real time with Credit Card Fraud Alerts.
Exclusive Visa® offers
Gain access to a variety of Visa® Offers and Perks with deals on dining, shopping, sports, entertainment, and more.
Compare Our Credit Cards
| Visa® Signature Apply |
Visa® Platinum Rewards Apply |
Visa® Platinum Apply |
Visa® Platinum Rewards Secured Apply |
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| Benefits | Unlimited 1.5% Cash Back1 on all purchases | 1 Rewards Point earned for every $1 spent5 | Our lowest rate card | 1 Rewards Point earned for every $1 spent5 |
| Balance Transfer Rate | 0% APR for 12 months on balance transfers made within the first 90 days3 | 0% APR for 12 months on balance transfers made within the first 90 days3 | 0% APR for 12 months on balance transfers made within the first 90 days3 | |
| Purchase Rate | 1.9% APR for 12 months on purchases made within the first 90 days4 | 1.9% APR for 12 months on purchases made within the first 90 days4 | 1.9% APR for 12 months on purchases made within the first 90 days4 | |
| New Cardholder Offers | $150 Cash Bonus2 for spending $1,000+ within the first 90 days | 10,000 Bonus CURewards points for spending $1,000+ within the first 90 days6 | ||
| Annual fees | None | None | None | None |
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Educational Resources
Considering moving a balance to a new card? Learn more about how it works.
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.
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.
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.
Explore other Great Products and Find What’s Right for You
Personal Loans
Have an unplanned expense? Struggling with too much debt? Our Personal Loans are a good way to get the money you need to make your life better.
Money Market Accounts
Get rewarded for growing your savings balances. Our Money Market account features a tiered-rate structure, so you earn a higher interest rate as you increase your balances.
FAQs
Am I eligible for membership at Community First Credit Union?
Federally insured by NCUA. All new accounts are subject to approval and membership eligibility required. Please visit our Become a Member page or simply contact us for more information on membership requirements.
How do I apply for a credit card?
You can apply for a credit card online or find 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.
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 program, rates, terms and conditions are subject to change at any time without prior notice.
3 APR= Annual Percentage Rate. 0% Introductory APR for 12 billing cycles, valid for balance transfers made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. A 3% transaction fee will be applied for each balance transfer. All credit card applications are subject to approval. Balance transfers of existing Credit Union credit cards are not eligible for this promotion. Certain restrictions and limitations may apply.
4 APR= Annual Percentage Rate. 1.9% Introductory APR for 12 billing cycles from date of account opening, valid for 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. All credit card applications are subject to approval. Certain restrictions and limitations may apply.
5 For more details about Rewards Accrual, see our CURewards Rules page.
6 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.
1 A $5,000 minimum limit is required for the Visa® Signature Credit Card. Cash back can be redeemed on demand through the Cash Back Mall. Online banking with the Credit Union is required to participate in the Cash Back Mall. If the cash back balance is not redeemed, your cash back balance will be automatically applied to your credit card balance every November. 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 program, rates, terms and conditions are subject to change at any time without prior notice.
3 APR= Annual Percentage Rate. 0% Introductory APR for 12 billing cycles, valid for balance transfers made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. A 3% transaction fee will be applied for each balance transfer. All credit card applications are subject to approval. Balance transfers of existing Credit Union credit cards are not eligible for this promotion. Certain restrictions and limitations may apply.
4 APR= Annual Percentage Rate. 1.9% Introductory APR for 12 billing cycles from date of account opening, valid for 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. All credit card applications are subject to approval. Certain restrictions and limitations may apply.
5 For more details about Rewards Accrual, see our CURewards Rules page.
6 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.