Personal Visa® Credit Cards
Credit Cards With Global Buying Power For Every Lifestyle.
Whether you’re planning a vacation, starting a new DIY project, or just doing a little "treat yourself" shopping, we have a credit card that can help you put your plans into action. Plus, pay no interest for 12 months on purchases and balance transfers made within 90 days of account opening on any of our personal credit cards.1
Choose the Card That Suits You Best
Preferred Cash Visa Card
0% Intro APR1,
$100 Sign-Up Bonus2,
1.5% Unlimited Cash Back3,
No Annual Fee.
Spotlight™ Visa Card
0% Intro APR1,
20,000 Bonus Points4,
2 Points Per Dollar5,
Premium Rewards6.
- Not Sure Which Card is Right For You? Compare!
Benefits & Features
Visa Platinum
Preferred Cash Visa
Spotlight Visa
Rewards
None
1.5% Cash Back on Qualifying Purchases3
2 points per dollar on travel, dining, entertainment, and groceries; 1 point for all other purchases.5
Click here to view rewards.Introductory Offer
0% APR for 12 months on purchases and balances transfers made within 90 days of account opening1
0% APR for 12 months on purchases and balances transfers made within 90 days of account opening1
$100 Sign-Up Bonus when you spend $1,000 or more within the first 90 days of account opening2
0% APR for 12 months on purchases and balance transfers made within 90 days of account opening1
20,000 bonus points with $2,500 or more spent within the first 90 days of account opening4
Streaming Service Reimbursement
None
None
Up to $120 per year6
Purchase APR1
11.49% - 19.15%
12.99% - 20.65%
15.99% - 24.15%
Penalty APR
None
None
None
Annual Fee
None
None
$75 per year1
Foreign Transaction Fee
None
None
None
Balance Transfer Fee1
3% of the amount of each transaction
3% of the amount of each transaction
3% of the amount of each transaction
Cash Advance Fee1
$5 or 3% of the amount of each transaction, whichever is greater
$5 or 3% of the amount of each transaction, whichever is greater
$5 or 3% of the amount of each transaction, whichever is greater
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Benefits Included6,7
ID Navigator Powered by NortonLifeLock
Lost Luggage Reimbursement
Purchase Security
Roadside Dispatch
Travel Accident & Baggage Delay Insurance
Travel & Emergency Assistance Services7Cell Phone Protection
ID Navigator Powered by NortonLifeLock
Porch Piracy Protection
Roadside Dispatch
Travel & Emergency Assistance Services7Car Rental Privileges (via Silvercar by Audi)
Auto Rental Collision Damage Waiver
Cell Phone Protection
Emergency Evacuation & Transportation
ID Navigator Powered by NortonLifeLock
Lost Luggage Reimbursement
Porch Piracy Protection
Roadside Dispatch
Return Protection
Travel and Emergency Assistance
Special Food and Wine Offerings (via Sonoma Wine)
Travel Accident and Baggage Delay Insurance
Trip Cancellation and Delay Protection
VIP Hotel Upgrades (via Visa® Luxury Hotel Collection)
and much more6
Some Important Information You Should Know
Visa Interest and Fee Information
Visa® Credit Card Agreement & Disclosure
Visa Consolidated Guide to Benefits
Preferred Cash Visa Rewards Program Rules, Terms, and Conditions
Spotlight™ Visa Signature® Rewards Rules, Terms and Conditions
Spotlight™ Visa Signature® Guide to Benefits
Spotlight™ Visa Signature® Rewards
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 11.49% - 19.15% for Visa Platinum; 12.99% - 20.65% for Preferred Cash Visa; and 15.99% - 24.15% 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. For complete details, 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.
7 Visa Platinum and Preferred Cash Visa Benefits. Restrictions apply. For full cardholder benefits and limitations, please consult your Visa Consolidated Guide to Benefits.
Visa® is a registered trademark of Visa International Service Association and is used under license.
The Contactless Symbol is a trademark owned by and used with the permission of EMVCo, LLC. Contactless payments available at participating merchants. Not all merchants participate. Learn more about Contactless Payments at firstent.org/tap-to-pay.
© 2022 First Entertainment Credit Union.