The Card that Fits Your Life.


VISA Credit Card

Choosing the right credit card can be overwhelming because there are so many options to choose from. Isn’t it time you considered the UFirst VISA Credit Card? It doesn’t come with outrageous fees or rates. With its sleek new look and many benefits, it’s the card you’ll want at the top of your wallet! 

Card-Carrying Members Enjoy:

  • Being rewarded for every dollar spent
  • Added protection of EMV-chip technology
  • Shop online safely with Verified by VISA
  • Manage your card conveniently online, 24/7
  • Rates as low as 7.90% APR*
  • No annual fee
  • Balance Transfers*
  • No fee for cash advances

Apply Now Manage My Card

Share Secured VISA

Just starting out or needing to re-establish your credit? Our Share Secured VISA Credit Card is the perfect option for you! What does share secured mean? A secured card is backed by funds in your savings account. So, the $250.00 credit limit minimum is secured in your savings while you use the credit card to build a positive credit history. Use the card responsibly and once you’ve built up your credit, you could qualify for an unsecured card – one that doesn’t require funds to be secured by your savings.

  • No minimum credit score to qualify
  • Helps you build a positive credit history
  • Earn dividends on the funds used to secure the account
  • Fixed rate of 9.90% APR*
  • No annual fee
  • Credit limit is a minimum of $250.00

Reward Yourself

Did you know that each time you use your UFirst VISA Credit Card, you earn valuable ScoreCard Bonus Points toward travel and gift rewards?

When you buy groceries, gas, go to the movies or out to dinner, pay with your UFirst VISA Credit Card and earn Bonus Points for every dollar you spend. Your Bonus Points can be redeemed for brand-name merchandise from manufacturers like Panasonic, SONY and Igloo or if travel is more your style, redeem your points for hotel stays or vacation packages.

ScoreCard Rewards is just one of the many perks of being a card-carrying member of UFirst FCU!

Start Redeeming

Make a Payment

Making your credit card payments on time is a sure way to avoid late fees and keep your credit in good standing. How you pay is up to you, but we’re here to make it easy. Check out the option that works best for you!

  • Make your payment conveniently online 
  • Pay from an account you have somewhere else using UPay
  • Use Online Banking to transfer directly to your UFirst VISA
  • Stop by any of our branches to pay in person
  • Call us at 518-324-5700 option 1 to pay over-the-phone
  • Pay by Mail

Lost or stolen card

The moment you realize your card has been compromised, report it immediately by calling 1-800-872-1712. The faster you let us know, the faster we can help protect you from fraud.

Activate card

To activate your UFirst VISA Credit Card, call 1-800-543-5073 (or 727-570-4888 if you’re outside the U.S.). Be sure you are calling from the phone number associated with your credit card account. If you have issues activating your card, please contact our VISA team at 518-324-5700 option 3.

Online Access is a direct line to your UFirst VISA Credit Card. Register your card and you can view your balance and transactions real-time. You can also enroll in eStatements, make payments and more. It’s totally FREE!

Travel Alerts

Setting a travel notice lets us know that you may be using your card in places outside of your normal spending area. By providing us with the dates of your trip and your destination, especially if it's outside the U.S., helps to ensure your card won’t be suspected of fraudulent activity. If a travel notice is not placed on your card, transactions may be declined due to fraud protection services.

Click the link below to securely submit your travel alert to us. Please know that if you submit your travel alert after business hours or on the weekend, it will not be processed until the next business day.

Let us know


Go to Top