Credit Cards
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Visa® Credit Cards

Save time this year on holiday shopping with a FirstLight Credit Card and make time for what's most important, your family! Choose the card that is right for you!


  Visa Platinum Visa CURewards Platinum Visa Secured Platinum
  Description Perfect for every day purchase power with low competitive interest rates. Shop and earn points to redeem for rewards like: cash back, payment credit, merchandise, travel,gift cards and more! Help build or repair your credit with low, competitive interest rates.
  Annual Fee $0 $0 $0
   Balance Transfer Fee $0 $0 $0
   Cash Advance Fee $0 $0 $0
   Grace Period  25 days 25 days  25 days 

   Pay with your Phone

  (Apple Pay, Google Pay, Visa Checkout, Microsoft Wallet)

   Rewards Points N/A  Earn 1 pt for $1 Spent  N/A 
   Introductory APR*+

1.90% to 5.90% APR

for 6 months 

1.90% to 5.90% APR

for 6 months

   Standard APR* Range 7.90% - 18.00%  8.40% - 18.00%  13.90% - 16.90% 
   Security Features:      
  • Chip Technology
  • Visa's Zero Liability Protection
  • Travel & Emergency Assistance Service
  • Warranty Manager Purchase Security
  • Identity Theft Coverage
  • 24/7/365 Fraud Monitoring
    More CU Rewards Info   


*APR=Annual Percentage Rage. **Introductory APR rates are for new qualifying members for a period of six billing cycles; after that the rate will return to its standard rate.  Standard rates range between 7.9% and 18%.  Subject to credit approval.  Certain restrictions apply.

Get big protection in a tiny chip

Your FirstLight Visa® Credit Card now features an embedded chip that improves security every time you make purchases at a chip-activated terminal.

  • Receive enhanced fraud protection with chip technology. This tiny chip protects you from fraud by creating a one-time use code for each chip transaction. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
  • Easy to use. Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts.
  • Enjoy global acceptance. Chip-activated terminals are coming to certain U.S. retailers this year – and more locations in the years to come. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide – wherever Visa credit cards are accepted.

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Choose from one of the following credit card options:

Visa Platinum

FirstLight Visa Platinum

Perfect for every day purchase power with competitive interest rates.

Visa CURewards Platinum

FirstLight Visa Platinum Rewards

Shop and earn rewards with the Visa CURewards Platinum. Everyday purchases earn you points toward quality merchandise, travel, gift cards, redeem your points for cash or you can even use them to make a payment to your FirstLight Credit Card!

  • Start earning rewards with as few as 2,500 points
  • Earn one point for every dollar in qualifying purchases

CURewards Information for Visa Credit Cards

Visa Secured Platinum

FirstLight Visa Secured

This card is for the first time card holder that wants to build their credit or for members who need to repair their credit. Credit limits starting at $500.

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Important Phone Numbers

For Credit Card member service, to report fraud, dispute transaction(s), or report your card as lost/stolen please contact Card Services.

Falcon Security Fraud Detection System

In the case of suspected fraud on your credit card, you will receive a call from the phone numbers below. Please be aware that this is a third party vendor that helps FirstLight monitor your credit card transactions for possible fraud.

1-888-918-7313 or 1-727-299-2449

Credit Card Agreements & Forms

Consumer Credit Card Agreement

Credit Card Payment Information

Phone number:

Mailing Address:
PO Box 60510
City of Industry, CA 91716-0510