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Visa® Credit Cards

Visa® Credit Cards

As a not-for-profit financial institution, we offer Visa® credit cards with great value and no unnecessary costs. Members can easily apply through online banking, and enrollment is free and simple.

  • Unsecured Visa® or Secured Visa® with low variable rates
  • Credit limits up to $25,000
  • 25-day grace period
  • No annual, hidden, cash advance, or balance transfer fees (restrictions may apply)
  • Earn my$pend reward points on purchases!

Start an Application     Visa® Credit Card Disclosure

 

Call us at 1.800.79.FBFCU for questions regarding Off Limit Countries.

 

First-Time Borrower Visa® Credit Card

Start Building Your Credit the Right Way
The First-Time Borrower Visa® Credit Card is designed to help young adults establish credit, build good financial habits, and take an important step toward independence.

Card Benefits:

  • Fixed 17.0% APR*
  • 25-day grace period
  • No annual, hidden, cash advance, or balance transfer fees (restrictions may apply)

To apply, call us at 800.79.FBFCU during business hours, or visit one of our branches. Click here for locations and hours of operation.

 

Teens can start smart.

Our Skyward Checking Account helps members under 18 build financial independence with guidance from a parent or guardian. After 12 months of responsible account management, they’ll be eligible for Visa® Credit Card pre-approval at age 18.

Learn More

Visa® Credit Card Disclosure

 

My$pend Rewards

Get the Rewards You Deserve with my$pend!
Earn points on every purchase with your FBFCU Visa credit card and redeem them for travel, gift cards, merchandise, and more.

How It Works
  • Earn 1 point for every $1 spent using your FBFCU Visa® credit card.
  • Points are tracked automatically—no extra steps required.
  • Redeem points online or by phone for merchandise, tickets, travel, downloads, and more.
Tracking Your Points
  • View balances by logging into online banking and clicking the my$pend link.
  • Points from all Visa® cards on the same membership are combined.
  • Points expire 3 years after earning, and used on a first-in, first-out basis.
Redeeming Rewards
  • Redeem online via the my$pend site or book travel through the “Online Reservations” link.
  • Or call 1-866-265-8731 (provide brand, item name, and details).
Need Access Without Online Banking
  • You can check balances or redeem by phone, but the full catalog is only available online.
  • Click here to sign up for online banking.

For complete details about earning, redeeming, and managing points, review the my$pend Rewards Terms and Conditions.

 

Account Protection

We monitor your Visa® credit card for suspicious activity and may call to verify unusual transactions. These automated calls are legitimate and help protect your account. Keep your contact information current, review your statements regularly, and report any unauthorized charges immediately.

To learn more about protecting your account visit our Fraud and Security Information Center.