When you open a Business Rewards Visa®, you can enjoy so many perks, including:

  • 0% APR on purchases for the first 12 billing cycles1
  • Quarterly bonus rewards at select retailers2
  • 1.5 rewards points per $1 spent on all other purchases
  • Protect your cards with the free CardValet® app
New cardholders can earn:3
  • 1,000 bonus points for your first purchase
  • 20,000 bonus points if you spend $5,000 or more in the first 60 days from opening your credit card
Existing & new cardholders can earn:3
  • 500 bonus points on the cardholder's birthday
  • 300 bonus points for the anniversary of your card account opening
  • Enjoy a low rate4
  • Low Balance Transfer Fee5
  • No Annual Fee
  • EMV Chip technology accepted at merchants worldwide
  • Zero liability for fraudulent purchases


Still have questions?

Meet Our Commercial Lending Team

§ Please contact us for a copy of the Credit Card Agreement and Disclosures by calling 540-389-0244 (local) or 866-389-0244 (toll-free).

1The 0% introductory APR (Annual Percentage Rate) applies to purchases and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. After the intro APR expires, your APR will revert to an amount within the prevailing credit card APR range at the time of expiration, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. See current rates.
2You earn 3 Rewards points per $1 spent on eligible purchases within each promotional category by calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. To qualify for 3 Rewards points per $1 spent with a Rewards Visa®, the purchase transaction date must be before or on the last day of the offer or promotion. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 3 Rewards points per $1 spent or special APR category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Freedom First Federal Credit Union does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 3 Rewards points per $1 spent if the technology does not provide sufficient transaction details or a qualifying MCC. Contact us at 540-389-0244 for more information about eligibility and rewards.
3Certain restrictions apply. The one-time bonuses are only available to new cardholders if and when the specified criteria to receive the bonus is met. The new accountholder will receive the reward points within two statement periods. The two one-time bonuses are limited to the primary accountholder and will only be credited for the first new credit card opened. This promotional offer is subject to change at any time.
4Credit card approval depends on applicant's creditworthiness and other qualifications. Rates, terms, and conditions are subject to change without notice. APR (Annual Percentage Rate) is based on the applicant’s creditworthiness and is subject to change. APR will vary with the market based on Prime Rate. See Current Rates. A cash advance fee of $5.00 or 2% of each advance may be charged.

5A balance transfer fee of $5.00 will post on your credit card statement. You must allow 10 days for processing of this request. If a payment is due within the next 10 days on the account submitted here, please make that payment separately to ensure you do not incur a late charge or damage your credit.
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