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Visa® Secured Credit Card

Build

responsibly.

Improve your financial wellness.

A Secured Visa® can help you build your credit and is easier to qualify for because it requires a refundable deposit.

Choose the card that suits you best.

Platinum visa credit card front

Visa® Platinum Secured

Best if you want…
  • A lower rate
APR0% Intro APR
FeesNo Annual Fee, No Foreign Transaction Fees
Preferred Cash Credit Card front

Preferred Cash Visa® Secured

Best if you want…
  • $100 Sign-up Bonus
  • 1.5% Unlimited Cash Back
APR0% Intro APR
FeesNo Annual Fee, No Foreign Transaction Fees

Compare your options.

Not sure which card is right for you? Compare our card options below.

  • Rewards

    Rewards

  • Introductory Offer

    Introductory Offer

  • Balance Transfer Fee5

    Balance Transfer Fee5

  • Cash Advance Fee6

    Cash Advance Fee6

  • Benefits Included7

    Benefits Included7

VISA® Platinum Secured

  • Rewards

    None

  • Introductory Offer

    0% APR for 12 months on purchases and transfers within 90 days of opening.2

  • Balance Transfer Fee5

    3%

  • Cash Advance Fee6

    $5 or 3%, whichever is greater

  • Benefits Included7

    • ID Navigator Powered by NortonLifeLock
    • Lost Luggage Reimbursement
    • Purchase Security
    • Roadside Dispatch
    • Travel Accident & Baggage Delay Insurance
    • Travel & Emergency Assistance Services

Preferred Cash VISA® Secured

  • Rewards

    1.5% Cash Back on Purchases1

  • Introductory Offer

    0% APR for 12 months on purchases and transfers within 90 days of opening.2

  • Balance Transfer Fee5

    3%

  • Cash Advance Fee6

    $5 or 3%, whichever is greater

  • Benefits Included7

    • Cell Phone Protection
    • ID Navigator Powered by NortonLifeLock
    • Porch Piracy Protection
    • Roadside Dispatch
    • Travel & Emergency Assistance Services

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.

Our current rates can be found on our public website here: https://www.firstent.org/files/disclosure_visa_schumer_box.pdf.

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.

Not finding what you’re looking for? See all FAQs.

Apply for a Visa® Secured Credit Card today.

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Disclosures

1
Only authorized charges for the purchases of goods or services made with your Cash Back Rewards Account, less any credits for purchase reversals or other refunds (“Qualifying Purchases”) will earn cash back rewards. For each dollar of Qualifying Purchases (charged to your Cash Back Rewards Account, you will be awarded a 1.5% ($0.015) cash reward. Your cash reward will automatically be redeemed as a credit to your Account at the end of each statement cycle. Cash Back Rewards Account interest rates are also disclosed on the First Entertainment Credit Union Visa Application and Solicitation Disclosure. As long as your Cash Back Rewards Account remains open and in good standing, your accumulated cash rewards will not expire.
2
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 and 15.49% – 23.15% for Preferred Cash 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. 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.
I understand that I can request a Balance Transfer transaction, which allows me to pay a portion or the entire balance of another credit card account I maintain with another institution, by advancing funds from this Account. Any request I make for a Balance Transfer is subject to your approval, based on my Credit Limit, my creditworthiness, and my good standing as a member. If you approve my requested Balance Transfer transaction, a 3% Balance Transfer Fee will apply to the transaction, and a Balance Transfer ANNUAL PERCENTAGE RATE, as discussed above, will apply to my Balance Transfer balance.
4
Pricing is variable. Information regarding fees and charges can be found in the Application and Solicitation Disclosure.
5
I understand that I can request a Balance Transfer transaction, which allows me to pay a portion or the entire balance of another credit card account I maintain with another institution by advancing funds from this Account. Any request I make for a Balance Transfer is subject to your approval, based on my Credit Limit, my creditworthiness, and my good standing as a member. If you approve my requested Balance Transfer transaction, a 3% Balance Transfer Fee will apply to the transaction, and a Balance Transfer ANNUAL PERCENTAGE RATE, as discussed above, will apply to my Balance Transfer balance.
6
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.
For full cardholder benefits and limitations, consult your Visa Consolidated Guide to Benefits or view our disclosures.
Visa is a registered trademark of Visa International Service Association and is used under license.