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Credit Cards

Purchasing Power with Visa® Platinum

Enjoy the purchasing power of Visa® and the security of EMV chip technology right in your wallet whenever you need it. Our EMV enabled Platinum Visa card offers you a convenient payment source with great options like a fixed rate card, or variable rates with reward options. Enjoy travel, home, health and recreational gifts, plus earn cash back or gift cards!

Download our mobile credit card app from your app store to easily manage your card on the go. Separate from our mobile banking app is our FSFCU Visa App. Here you can view and manage your First Source Visa Platinum and Platinum Rewards Cards: View current balance, available balance, transactions and statements. Make a payment, view payment history, report or block a lost or stolen card, and dispute charges from your mobile device.

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Mobile Wallet
All your cards in one location on your electronic device

Add your First Source Visa Platinum or Platinum Rewards card to your mobile wallet for even more convenience!
You can pay with your phone or mobile device at any register that accepts Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay.
Once uploaded into your “digital wallet”, each card has its own “token” which takes the place of the actual card number. Tokens mask card information, creating a layer of security for each transaction. If a merchant were to have a breach, your information would not be compromised.

  • Your phone must first have digital or mobile wallet capabilities. Older models may not have this technology installed. Please check with your provider.

  • Ensure a mobile pay solution, ie. Samsung Pay, Apple Pay, etc.is installed on your device. Some come with it pre-installed, others may need you to download from your app store. You may also need to set up an account. Again, check with your provider.

  • Once your mobile pay solution is ready to go, open the application and follow the easy prompts to upload your card(s).

  • Set your First Source Visa Platinum or Debit card to default.

  • Within the activation process you will need to accept the terms and conditions, and may be required to receive a text or email confirmation.

  • Once enrolled, you will recognize your First Source card(s) by the digital image and last 4 digits.

Additional Security
Tokenization limits fraud opportunities due to the following security measures:

  • Touch ID/Passcode will be required when your First Source card is added to your mobile wallet so only you can unlock it.

  • Tokens are only usable when paired with the device they are assigned to. The token, passcode, and electronic device all have to be together in order to make a purchase.

  • Lost/stolen devices can have their token suspended, which will not block your physical card. If you were to lose/damage your phone, you can suspend the digital wallet while still being able to use your physical card. Once you have a new phone you would enroll your card into your new phone’s mobile wallet.

  • Your card number is NEVER revealed to the merchant.

You are now ready to use your First Source card(s) within your mobile wallet.

Is a rewards credit card right for you? We can help you decide.

— First Source Blog
Full Article

Credit Card Benefits

All Cards


  • Credit Limit: $500 Min/$50,000 Max, based on credit score
  • EMV Chip-Equipped Credit Card
  • Online/Mobile Banking


  • No Application Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • No Inactivity Fee
  • No Over-Limit Fee
  • 1% Foreign Transaction Fee


  • Minimum Monthly Payment: 2.5% of outstanding balance ($15 Min)
  • Late Payment Fee: 2.5% of balance due ($15 Min/$25 Max)

See full disclosure and agreement.

Compare Credit Cards

Fixed Platinum Card

Tiered based on credit score
A 8.9%
B 11.9%
C 13.9%
D 15.9%
E 17.9%
Rewards Points Expiration

Variable Platinum Card

Tiered based on credit score and Prime + index, evaluated annually
A 8.74% (Prime + 4.49%)
B 10.74% (Prime + 6.49%)
C 12.74% (Prime + 8.49%)
D 15.74% (Prime + 11.49%)
E 17.99% (Prime + 14.49%/Ceiling of 17.99%)
CU Rewards merchandise, gift cards, and points to cash
Rewards Points Expiration
5 years

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Rates and terms are determined by overall credit history. Applications are subject to credit approval. Full terms and disclosure.

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