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Spotlight™ Visa® Credit Card

Reward Yourself with the Spotlight™ Visa® Credit Card.

0% Intro APR for 12 Months1

Enjoy 0% intro APR for 12 months on all purchases and balance transfers made within 90 days of account opening!

20,000 Bonus Points2

Earn 20,000 Bonus points when you open a new card and spend at least $2,500 within 90 days of account opening!

2X Points3

Earn 2 points per dollar spent on travel, dining, entertainment, and grocery purchases (earn 1 point per dollar on everything else).

Streaming Service Credit4

Up to $120 per year—valid at Hulu, Disney+, Peacock, Spotify, Netflix, Comcast, Cox, Spectrum, Paramount+ and more!

And Many More Premium Benefits4

Including VIP hotel upgrades, car rental privileges, special food and wine offerings, and much more!

Apply Now

View our Rewards Site to see how you can redeem your points for travel, gift cards or merchandise.

  • Spotlight Visa Credit Card Benefits4
    • 0% Intro APR1 – For 12 months on all purchases and balance transfers made within 90 days of account opening.
    • 20,000 Bonus Points2 – With $2,500 or more spent in the first 90 days.
    • Earn 2 Points per Dollar Spent3 – On travel, dining, entertainment, and grocery purchases (earn 1 point per dollar on everything else).
    • $120 Annual Streaming Service Reimbursement4 – Receive up to $120/year in streaming service reimbursements ($10/month maximum).
    • Low, $75 Annual Fee1 – Charged once every 12 months.
    • No Foreign Transaction Fees
    • Porch Piracy Protection – Guards against the theft of eligible items of personal property purchased with your Spotlight Visa Card within the first ninety (90) days from the date of purchase.
    • VIP Hotel Upgrades. – Via Visa® Luxury Hotel Collection.
    • Auto Rental Collision Damage Waiver – Provides insurance coverage for physical damage, theft and towing fees.
    • Cell Phone Protection – Protect your cell phone from damage and theft at no additional cost when you charge your full monthly cell phone bill to your card.
    • Trip Cancellation and Interruption – Get reimbursed up to $300 for reasonable expenses you incur if your travel is delayed by more than 12 hours due to covered hazards.
    • Trip Delay Reimbursement – Reimburses you in the event your trip is delayed.
    • Return Protection – A covered event protects you when you purchase an item and the merchant refuses to accept your return.
    • Lost Luggage Reimbursement – Reimbursement for the cost of replacing a checked or carry-on luggage and its contents.
    • Emergency Evacuation & Transportation – Provides coverage for evacuation expenses that result from an injury or illness on a trip.
    • ID Navigator Powered by NortonLifeLock – Helps keep you abreast of threats that may affect your identity and provides you with tools to help keep you informed.
    • Car Rental Privileges – Via Audi on Demand.
    • Special Food and Wine Offerings – Via Sonoma Wine.
    • Roadside Dispatch® – Emergency roadside assistance is available 24/7 whenever you need a tow – no membership required. Fees apply.
    • Travel and Emergency Assistance – Covered cardholders can call any time for Travel and Emergency Assistance from anywhere in the world.
    • Visa Fraud Alerts – You protect your Savings and Checking Accounts from unauthorized activity with Automatic Alerts, why not do the same with your First Entertainment Credit Card?
    • Visa's Zero LiabilityTM,5  – Provides protection against unauthorized transactions on your account. And much more!

      For complete details on card benefits and restrictions, view the First Entertainment Credit Union Spotlight™ Visa Signature® Guide to Benefits.
  • Transact Safely When You Tap to Pay

    From how we shop to the way we pay, we’ve all had to adjust the way we transact to minimize our interactions with everyone and everything. You can avoid touching surfaces at checkout when you tap to pay with your contactless Spotlight Visa Card. It’s a safe, secure, and easy way to pay for the things you need.

  • Welcome to Your Digital Wallet

    Your First Entertainment Visa Credit Card is compatible with the latest mobile payment apps including Google Pay™, Apple Pay™, and Samsung Pay™! Learn more on our Digital Wallet page.

  • Click to Pay with Visa
    Click to Pay with Visa allows you to skip the guest checkout, bypass form fields, and forget the hassle of remembering passwords. Simply click to pay using your First Entertainment Visa Credit Card to enjoy a smart, easy, and secure checkout experience wherever you see this icon.

    SRC Icon

    Enrollment is easy. Visit our Visa Click to Pay page to get started.

  • Digital Banking Tools and Controls

    Use our Digital Banking tools to view transactions and manage your card. Set travel notifications, block or unblock your card, set customized alerts, report and replace a lost or stolen card, conduct a balance transfer, and more!

  • Switching To A Spotlight Card

    Want to switch your current card? We've made it easy! There is no need to re-apply. Simply send us your request using the Secure Message feature in Digital Banking or call us at 888.800.3328.

  • Adding An Authorized User
    Adding an authorized user to your credit card is simple. Start by logging into Digital Banking, click on the Card Manager widget, and request to add an authorized user. That’s it! You can also give us a call at 888-800-3328 and we’d be happy to help.

Some Important Information You Should Know

Visa Interest and Fee Information

Visa® Credit Card Agreement & Disclosure

Spotlight™ Visa Signature® Guide to Benefits 

Spotlight™ Visa Signature® Rewards Rules, Terms and Conditions

Spotlight™ Visa Signature® Rewards

Apply for your First Entertainment Spotlight Visa Credit Card Today!

Get Started

1APR = Annual Percentage Rate. 0.00% Introductory APR for twelve (12) months from the date of account opening when purchases are completed within ninety (90) days of account opening. After the introductory rate period ends, your APR for purchases and balance transfers will be 18.49% to 26.65%, 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 are subject to credit approval. For complete details, please refer to the Visa Interest and Fee Information disclosure.

2Program 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, the 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.

3For 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.

4 Restrictions apply. For full cardholder benefits and limitations, please consult your First Entertainment Credit Union Spotlight™ Visa Signature® Guide to Benefits.

5 Visa's Zero Liability™ policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify First Entertainment Credit Union promptly of any unauthorized use. Consult the Credit Union for additional details.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere.

Apple Pay is a trademark or registered trademark of Apple in the U.S. and other countries and is used under license. Google Pay logo is a trademark of Google LLC. ©2022 Samsung Pay is a trademark or registered trademark of Samsung Electronica Co., Ltd. Learn more about Contactless Payments at

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. 

Visa is a registered trademark of Visa International Service Association and is used under license.