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Visa Credit Cards

You'll enjoy more shopping, more fine restaurants, more travel opportunities with a Community First Credit Union Visa Platinum or Gold card, whether you're going across town or around the world!

Our cards are accepted around the globe wherever you see the Visa emblem. You'll benefit from its convenience and security whenever you use your card to travel, shop or dine. In business or pleasure, you'll find it makes your life a little bit easier!

With your Community First Visa Platinum card you will be rewarded! Each purchase you make with your card earns you valuable Bonus Points you can redeem for brand name merchandise and exciting travel rewards.

If you visit the website, you'll be amazed at the merchandise available. Choose from categories like Appliances, Lawn and Garden and Sporting Goods, and from brand names like Black & Decker, Nike and Toshiba.

Once you've earned enough Bonus Points to redeem, you can send in your order online or through regular mail. It's that easy!

Your Visa Platinum Card provides you with:

  • No Annual Fee
  • Rates as low as 11.50% APR*
  • 25 day grace period
  • Scorecard Rewards

Your Visa Gold Card offers a lower rate than the Platinum. The Visa Gold card does not have Rewards Points.

  • No Annual Fee
  • Rates as low as 7.99% APR*
  • 25 day grace period

Pick up an application the next time you're in the office to make our Visa card your constant traveling companion - creating instant credit at your fingertips!

Apply Online

Access your Visa account online

See the Visa Card Disclosure below or click here for a PDF version


Verified by Visa adds an extra layer of security to make it harder for someone else to use your Visa card to shop online in the unfortunate event your Visa card or account number is lost or stolen.

Each time your Visa credit or debit card is presented to make an online purchase at a participating merchant, know that Verified by Visa is working to make sure it is you that is attempting to make that purchase and not someone else. There is no special software to install. You will continue to shop as usual, and your enrolled Visa card number will be automatically recognized at checkout.

Enroll online now.



Visa Gold and Platinum

Visa Gold and Platinum Rate Box

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about the costs of the card described in this application is accurate as of: December 1, 2018. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Missouri Fee Notice:
Credit card fees are governed by §408.140 of the Missouri Revised Statutes. For California Borrowers, the Visa Platinum and Visa Gold are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
The following fees do not apply to borrowers in the State of Missouri: Account Set-up Fee, Program Fee, Participation Fee, Additional Card Fee, Application Fee, Balance Transfer Fee, Transaction Fee for Purchases, Foreign Transaction Fee, Over-the-Credit Limit Fee, Statement Copy Fee, Document Copy Fee, Rush Fee, Emergency Card Replacement Fee, PIN Replacement Fee, Card Replacement Fee, Unreturned Card Fee, and Pay-by-Phone Fee.

Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee: $10.00.
Pay-by-Phone Fee: $10.00.
PIN Replacement Fee: $3.00.
Rush Fee: $30.00.
Statement Copy Fee: $5.00.

*Annual Percentage Rate

The Visa logo is a registered trademark of Visa.