Transfer Your High-Rate Credit Card Balance and Save!

BIG SAVINGS AWAIT.

Leave High-Rate Credit Cards Behind

When you move balances from other credit cards to a new First Entertainment card, you’ll reap big rewards, like no interest for 12 months on balance transfers and purchases made within 90 days of account opening.1 Those savings can lead to more money in your pocket!

Choose the card that fits your lifestyle.

All of our credit cards come with 0% APR for 12 months on purchases and balance transfers made within 90 days of account opening!1

Spotlight_CC

Spotlight Visa®

Best if you want…
  • 0% Intro APR1
  • 20,000 Bonus Points4
  • 2 Points Per Dollar on eligible purchases5
  • Premium Rewards6
APR18.99% – 27.15%
Fees$75 Annual Fee, No Foreign Transaction Fees.
Preferred_CC

Preferred Cash Visa®

Best if you want…
  • 0% Intro APR1
  • $100 Sign-Up Bonus2
  • 1.5% Unlimited Cash Back3
APR15.99% – 23.65%
FeesNo Annual Fee, No Foreign Transaction Fee.
Platinum_CC

Visa® Platinum Card

Best if you want…
  • 0% Intro APR1
  • Balance transfer option
APR14.49% – 22.15%
FeesNo Annual Fee, No Foreign Transaction Fee.

FAQs

Both members and prospective members can apply online. You can also apply by chatting with us or making an appointment for more personal assistance with the application process.

There are two easy ways for you to activate your credit card:

  1. Login to Digital Banking
  2. Click on “Card Management” and then “Manage Your Cards
  3. Select the credit card in your profile that needs activating and simply click the “Activate” button to activate.

You can also call 800.631.3197 to activate your card.

You can make your credit card payment(s) through Digital Banking as follows:
From a First Entertainment Checking or Savings account:

  1. Log in to Digital Banking.
  2. On your Dashboard, select the “Pay” icon on the credit card you wish to make a payment to.
  3. On the Transfers page, select the First Entertainment Checking or Savings account you wish to pay from
  4. Enter the amount you wish to pay and when. You can pay your current balance, statement balance, minimum due or other amount.

From a non-First Entertainment Checking or Savings account:

  1. Log in to Digital Banking.
  2. On your Dashboard, select “Card Management
  3. Then select “View Credit Card
  4. Select the “Make Payment” option
  5. You can then “Choose a Payment Account” (external or internal) or
  6. Select the “Edit” button to change or add a new account to pay from
  7. Enter the amount you wish to pay and when. You can pay your current balance, statement balance, minimum due or other amount.
  8. You can also enroll in “Automatic Payments” by selecting the “ENROLL” option next to “Automatic Payments” on this page.

You can perform a credit card balance transfer a few different ways.

In Digital Banking:

  1. Go to “Card Management
  2. Select “Manage Your Cards” and select the card to balance transfer to.
  3. Click on “Manage Card
  4. Once on the Card Managerpage, select the balance transfer
  5. Enter your balance transfer request with the following information:
    • Card Issuer Name
    • Account Number (as it appears on your bill)
    • Account Payment Mailing Address (the address of the card you wish to transfer from)
    • Transfer Amount
  6. Read the Disclosure and check the “I Agree” box.
  7. Click “Submit“.

You may also call us at 888.800.3328 or make an appointment at a branch for more personal assistance with a balance transfer request.

Your credit card payment is due no later than the 4th day of each month. We will not charge you interest on purchases if you pay your entire statement balance in full by the due date each month.

Disclosures

1
APR = Annual Percentage Rate. 0.00% Introductory APR for twelve (12) months from date of account opening when purchases are completed within ninety (90) days of account opening. 0.00% Introductory APR for twelve (12) months from date of balance transfer when balance transfers are completed within ninety (90) days of account opening. After the introductory rate period ends, your APR for purchases and balance transfers will be 13.99% – 21.65% for Visa Platinum; 15.49% – 23.15% for Preferred Cash Visa; and 18.49% – 26.65% for Spotlight Visa, based on your creditworthiness. This APR will vary with the market based on the Prime Rate, as published in the Wall Street Journal. A 3% Balance Transfer fee will apply to each Balance Transfer transaction. Cash Advance transactions are subject to a Cash Advance Fee of 3% of the amount of the advance which is posted to the Account during the billing cycle, or $5.00, whichever is greater. Additional fees and charges may apply. All loans subject to credit approval. Proof of income may be required depending on your credit rating and other underwriting factors. For complete details on rates and fees, please refer to the Visa Interest and Fee Information disclosure.
2
Preferred Cash Visa. Program has an introductory bonus reward offer available to new accounts only. New Accounts will receive a one-time, one-hundred-dollar ($100.00) statement credit. To qualify and receive your bonus, you must make Qualifying Purchases totaling one thousand dollars ($1,000) or more during the first ninety (90) days from account opening. After qualifying, please allow four (4) to six (6) weeks for bonus to post to your account. Bonus will be paid as a statement credit to the Account. To be eligible for this bonus offer, Account must be open and not in default at the time of fulfillment. If you are an existing First Entertainment Credit Union Credit Cardholder and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new Cardholder bonus if you change products or have had another credit card with us in the past two (2) years. This offer is limited to one per Account per Cardholder. No additional bonus will be awarded for joint owners or authorized signers, users, or for additional cards on the same Account. For complete details, please refer to your Preferred Cash Visa Rewards Program Rules, Terms, and Conditions.
3
Preferred Cash Visa. For each dollar of Qualifying Purchases charged to your Cash Back Rewards Account, you will be awarded a 1.5% ($0.015) cash reward. As long as your Cash Back Rewards Account remains open and in good standing, your accumulated cash rewards will not expire. Terms and conditions apply. For complete details, please refer to your Preferred Cash Visa Rewards Program Rules, Terms, and Conditions.
4
Spotlight Visa. Program has an introductory Bonus Point offer available to new Accounts only. New Accounts will receive a one-time, twenty thousand (20,000) Bonus Point credit. To qualify and receive your bonus, you must make Qualifying Purchases totaling two thousand five hundred dollars ($2,500) or more during the first ninety (90) days from account opening. After qualifying, please allow four (4) to six (6) weeks for Bonus Points to post to your Account. To be eligible for this bonus offer, Account must be open and not in default at the time of fulfillment. If you are an existing First Entertainment Credit Union Credit Cardholder and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new Cardholder bonus if you change products or have had another credit card with us in the past two (2) years. This offer is limited to one per Account per Cardholder. No additional Bonus Points will be awarded for joint owners or authorized signers, users, or for additional cards on the same Account. For complete details, please refer to your Spotlight Visa Rewards Program Rules, Terms, and Conditions.
5
Spotlight Visa. For each dollar of Qualifying Purchases charged to your Rewards Account, you will be awarded Points Rewards (“Point” or “Points”) that will accumulate until they are redeemed, forfeited, expired, or suspended. Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures, based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for the purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. While a merchant, or some of the items that the merchant sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For purchases made where the merchant code and/or category is identified as travel, dining, entertainment, or grocery, you will earn two (2) Points per one dollar ($1.00) spent. For purchases made in all other merchant categories, you will earn one (1) Point per one dollar ($1.00) spent. Purchase amounts and Point accruals are subject to rounding for simplicity. Merchant code identification and classification are controlled by third parties and are subject to change without prior notice. For complete details, please refer to your Spotlight Visa Rewards Program Rules, Terms, and Conditions.
6
Spotlight Visa Benefits. Restrictions apply. For full cardholder benefits and limitations, please consult your First Entertainment Credit Union Spotlight Visa Signature® Guide to Benefits.
Visa is a registered trademark of Visa International Service Association and is used under license.