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Protect Your First Financial Cards'

Platinum Visa
Credit Card




image of First Financial Platinum Visa Credit Card

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View Complete Credit Card Agreement

9.90% to

Fixed Rate for Life!

View Terms & Conditions
  • No Annual Fee
  • No Balance Transfer Fees2
  • No Foreign Transaction Fees
  • Fixed-rate for life
  • FREE balance transfers with convenience checks or through eBranch. Learn More
  • Summer Skips allow you to skip payments in July and August with no penalty3
  • And much more!

Our fixed-rate Platinum Visa clearly beats the competition:

Financial Institution

Lowest APR

Balance Transfer Fee (APR)

Cash Advance Fee (APR)

First Financial 9.90%
Fixed Rate
Slate from Chase 17.24%
Variable Rate
5% 5%
BankAmericard® 15.24%
Variable Rate
3% 5%
Citi Simplicity® Card 16.99%
Variable Rate
5% 5%

Source: A third-party was used for rate comparisons as of 8/13/19. Rate is the lowest listed and may vary at each institution.

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, state

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 >>

smsGuardian™ Fraud Prevention

Receive text-message alerts if suspicious activity occurs so you can take action right when it happens

Learn More >>

To activate you First Financial Platinum Visa Card, click HERE.
Immediately report your lost or stolen Platinum Visa Credit Card online or by calling (800) 682-6075 within the United States. If you're traveling outside of the country, call (206) 352-4950.
Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.
"Your eBranch Representative is a gem! Professional, listens to the needs of the buyer and made the experience pain-free!"
Patricia N.
Member Since 2000
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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 convenience checks are used, when submitting a balance transfer form at or through Online Banking.
3Payment skips is offered to cardholders who meet certain criteria qualifications; other restrictions may apply. No late fees or penalty APR will apply. However, finance charges will continue to accrue on the unpaid balance.
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