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Visa Credit Cards

Different members have different needs. That’s why we offer 3 Visa® credit cards, so no matter what you are looking for in a credit card, we can help!

Perfect for the member who needs financial flexibility with our lowest APR

  • No annual fee
  • Rates as low as 8.99% APR* for purchases
  • Credit limit up to $20,000

Earn valuable rewards on travel and merchandise, just for using your card!

  • No annual fee
  • Rates as low as 10.25% APR* for purchases
  • Credit limit up to $20,000
  • PLUS your card gives back to you! Earn 1 ScoreCard® Bonus Point per dollar spent on all purchases, and reward yourself with great merchandise, travel discounts, free round-trip airline tickets, discounts on auto loans, fixed-rate Home Equity loans and more.

Ideal for building a credit history without creating unmanageable debt

  • No annual fee
  • Rates as low as 12.25% APR* for purchases
  • Credit limit up to $4,500

All our cards offer these amazing benefits, at no additional cost to you:

  • ID Navigator Powered by NortonLifeLock1 which offers:
    • Dark Web Monitoring: continuously patrols the dark web and private forums looking for personal information that may belong to you. Should it be found, notifications are sent with suggested steps.
    • Data Breach Notifications: sends notifications on large-scale breaches so you can act quickly should a breach affect your personal information
    • Stolen Wallet Assist: A stolen wallet can mean a lost identity. If your wallet is stolen you will receive guidance to help you cancel or replace key documents like your credit cards, driver’s licenses, Social Security cards, insurance cards and more.
    • One-Bureau Credit Monitoring Alerts2: helps you stay on top of your credit to help detect fraud more quickly. Alerts are sent when key changes are made to your credit file with a major credit bureau. 
  • Roadside Dispatch Coverage 24 hours a day, 7 days a week (call 800-847-2869)
  • Automatic Travel Accident Insurance (up to $150,000) if your airplane, train, bus, or ship tickets are charged to your eligible First Northern Visa 
  • Emergency Card Replacement and Emergency Cash Disbursement: Get a replacement Visa sent to you quickly and easily — and/or receive emergency cash —24/7, anywhere in the world.
  • Visa’s Zero Liability policy**, so you are protected in the event of unauthorized use of your card.
  • 25-day interest-free grace period on purchases
  • Low rates and special offers on balance transfers
  • Mobile Wallet Integration with Apple Pay, Samsung Pay, and Google Pay
  • Visa Purchase Alerts, offering an extra layer of online protection online
  • Automatic Updater: When we update your First Northern card, we'll let the merchants who have your card stored on file know your updated information.
  • Click To Pay: Online buying is evolving. Now when you see the Click to Pay icon New online checkout logo. you can enjoy a secure checkout experience — all without having to remember a password.
  • Tap To Pay: With Visa contactless payments, a simple and secure tap is all it takes to pay for the things you need. Visa contactless payments make it secure, convenient and touch-free.
  • Optional Debt Protection Coverage to help protect your payments and your credit rating

Apply Now   Estimate Your Payments


Lost or stolen First Northern Visa credit card? 

Call us at (888) 328-8677 during business hours. After hours, contact Visa Credit Card customer service at (800) 322-8472. We'll replace it promptly and work with you to inform those who need to know. 

*APR=Annual Percentage Rate.  Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. **Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details. 1 No one can prevent all identity theft. 2 Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met, you will not receive Credit Features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.