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Personal/Loans
Freedom First Credit Union

Credit Cards

Personal/Loans
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New Perks Available on Credit Cards!

If you open a Rewards Credit Card, you can enjoy these added perks:

  • 0% APR on purchases for the first 12 billing cycles2
  • 3 rewards points per $1 spent on eligible purchases rotating on a quarterly basis3
    • August - September 2022: Earn 3 Rewards points per $1 spent on Gas Stations4
    • October - December 2022: Earn 3 Rewards points per $1 spent on Amazon.com5
  • 1.5 rewards points per $1 spent on all other purchases

If you open a Platinum Credit Card, you can enjoy this added perk:

  • 0% APR on balance transfers for the first 12 billing cycles6


Credit card icon.Rewards Credit Card

Choose if you would like to collect Rewards points with your purchases, plus bonus points.

Credit card icon.Platinum Credit Card

Choose if you are looking for a special low purchase rate.1 

Paper and pencil icon.Secured Credit Card

Didn't qualify for a traditional credit card? Establish or build credit with a secured credit card.

Earn Rewards. Enjoy Low Rates.

No Annual Fees. Purchase Protection. 

Explore your options to find which card works best for you. You can complete a credit card application online at the link below.

Bonus Rewards Available!

New and existing cardholders can earn bonus points on their Rewards Credit Card.

New cardholders can earn:7
  • 1,000 bonus points for your first purchase
  • 25,000 bonus points if you spend $2,500 or more in the first 60 days from opening your credit card
Existing & new cardholders can earn:7
  • 500 bonus points on the cardholder's birthday
  • 300 bonus points for the anniversary of your card account opening

Already a Freedom First credit card holder?

Managing your credit card account is easy with Freedom First's online banking.

Business Credit Cards

Choose if you have a Business Account with Freedom First. See the Business Credit Card page for details.
 
1Credit card approval depends on applicant's creditworthiness and other qualifications. APR (Annual Percentage Rate), terms, and conditions are subject to change at any time. APR is based on the applicant’s creditworthiness and will vary with the market based on the Prime Rate. See current rates. Certain restrictions apply. A cash advance fee of $5.00 or 2% of each advance may be charged.
 
2The 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.

3You 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, 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 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.

4Earn 3 Rewards points per $1 spent at Gas Stations (stand-alone) from 8/1/2022 (or the date on which you activate your Rewards Credit Card, whichever is later) through 9/30/2022. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Purchases must be made with merchants in the U.S. 

5Earn 3 Rewards points per $1 spent on Amazon.com™ from 10/1/2022 (or the date on which you activate your Rewards Credit Card, whichever is later) through 12/31/2022. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Also includes in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. The Amazon.com logo and the smile logo are trademarks of Amazon or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. 

6The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. Balance transfers made after the promotional period ends will be subject to the balance transfer fee listed on the Consumer Fee Schedule.
 
7The 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 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.
 
8A 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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