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Protect Your First Financial Cards
Pricing Table
First Financial Platinum Visa

Top Pick for Fixed-Rate Credit Cards:
First Financial Platinum Visa

Why you'll like it:

Fixed-Rates as low as 10.90% APR1

FREE balance transfers2

Accepted worldwide with no foreign transaction fees

Two payment skips in the summer3

24/7 fraud protection with Visa’s Zero Liability Policy4

Apply Now

Pricing Table

Sport Your Shades, this Fixed Rate Shines Bright

For all your fun in the sun and more, there's just one credit card to pack. Our Platinum Visa features a fixed rate as low as 10.90% APR. You’ll save on interest, plus, unlike other cards that can charge a 3-5% balance transfer fee, we charge no balance transfer fees.

Financial Institution Fixed-Rate Variable Rate
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First Financial Platinum Visa
10.90% to 18.00% APR1
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Citi Simplicity Card
(18.74% - 29.49% APR)
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Chase Sapphire Preferred
(20.74% - 27.74% APR)
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Capital One Platinum Mastercard
(29.99% APR)
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Source: A third-party source was used for rate, fee, and product comparisons as of 5/9/23. Rates for Chase and Capital One were taken from their respective websites on 5/9/23. Rates may vary at each institution.

Add Authorized Users to Your Platinum Visa*

There are those you trust 100%, and adding them as authorized users to your Platinum Visa is so easy. Simply log in Online Banking and follow the steps below, or call us at (800) 537-8491 and share all the benefits!

Log in Online Banking Under Card eServices select Add Authorized User Application Submit form
Log in Online Banking Under Card eServices, select Add Authorized User Application Submit form


*Restrictions apply. Must be 18 years of age or older. As the primary account holder, you are responsible for all of the charges made by your authorized user(s). They will receive his or her own credit card that provides full access to your Platinum Visa account and any available credit limit. When you add a user to your account, you are confirming that all the information you provided is correct. We will send all correspondence (including credit cards, statements and notifications) to the primary account holder's address. The Credit Union may request additional information regarding the identity of the authorized user in accordance the USA Patriot Act.




Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.
Royal Caribbean International

Exclusive savings on your next Royal Caribbean cruise with your First Financial Visa Platinum Card

FFCU Visa Credit Card

Redeem Now

Employee pricing with everyday savings up to 35% at HP Inc.

Employee pricing with everyday savings up to 35% at HP Inc. when you pay with your First Financial Visa Platinum Card

FFCU Platinum Visa

Redeem Now

Harry & David

Save 15% off at
Harry & David
with your First Financial
Visa Platinum Card

FFCU Platinum Visa

Redeem Now

10% off at Overstock

10% off! Free shipping on EVERYTHING big & small at Overstock.com with your First Financial Visa Platinum Card

FFCU Platinum Visa

Redeem Now

To add authorized users to your Platinum Visa:

  1. Log in Online Banking
  2. Under Card eServices select Add Authorized User Application
  3. Submit form


*Restrictions apply. Must be 18 years of age or older. As the primary account holder, you are responsible for all of the charges made by your Authorized User(s). They will receive his or her own credit card that provides full access to your Platinum Visa account and any available credit limit. When you add a user to your account, you are confirming that all the information you provided is correct. We will send all correspondence (including credit cards, statements and notifications) to the primary account holder's address. The Credit Union may request additional information regarding the identity of the Authorized User in accordance the USA Patriot Act.

Standard Fraud Text/Email Alerts

In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud.

Here’s how it works:

  1. When potential fraud is detected, you will receive an automatic email notification from

    First Financial Credit Union, with the option to reply with “fraud” or “no fraud.”

  2. One minute after the email, you will receive a text alert from 32874 between 7am and 9pm, which also has the “fraud” or “no fraud” option.
  3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.

Remember – our messages will never ask for your PIN or account number.

EMV Chip Cards

We are upgrading our Platinum Visa to include chip technology, also known as EMV (Europay, Mastercard©, Visa©). EMV chip cards will be equipped with enhanced fraud protection that generates a unique transaction code when used at a chip-enabled terminal. The chip safeguards data from being used fraudulently both at home and when traveling abroad.

Learn More >>


Visa's Zero Liability Policy

Added protection for your peace-of-mind.

Learn More >>

If your Platinum Visa Card is lost or stolen, please contact us at (800) 537-8491.

For after hours, please contact:
US: (800) 297-3416
International: (206) 389-5200

Activate your First Financial Cards

To activate your First Financial cards, please call us at (800) 537-8491.

For after hours, please call:
US: (800) 290-7893
International: (206) 624-7998

Same-day delivery from a variety of stores you love


All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice.
1APR=Annual Percentage Rate. The rate you receive depends on your credit history.
2Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans.
3Summer Skips is a special benefit that allows eligible members to skip select loan payments in July and August. No late fees (or penalty credit card Annual Percentage Rate) will apply. Interest and finance charges will continue to accrue on the unpaid balances. If you elect to “skip” your summer payment(s) and make only your minimum payment(s) in the future, it will take longer to pay off the unpaid balance or there will be a balloon payment upon the maturity date and the total finance charges you will pay will be higher than if you make your regularly scheduled payments. In order to qualify for Summer Skips, payments must be paid/current through June to qualify for July and August skips.
4
Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify FFCU immediately of any unauthorized use. Contact FFCU for more detail.