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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!

And, our rates are non-variable, meaning they won't increase as the Prime Rate increases, so you can be confident that you are getting a great rate each month!

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

  • No annual fee
  • Non-variable rates as low as 8.99% APR* on purchases, balance transfers, and cash advances
  • Credit limit up to $30,000
  • Our rates are non-variable, meaning they won't increase as the Prime Rate increases, so you can be confident that you are getting a great rate each month!

Apply For Visa Platinum Estimate Your Payments

Earn valuable points just for using your Visa Card, then redeem your points for merchandise and travel rewards, or turn your points into CASH with Redeem2Erase™.

And, use your points for fuel discounts of $0.50 per gallon right at the pump, or discounts off of your in-store purchases at popular nationwide retailers — all with no annual fee!

  • No annual fee
  • Non-variable rates as low as 10.25% APR* on purchases, balance transfers, and cash advances
  • Credit limit up to $30,000
  • Our rates are non-variable, meaning they won't increase as the Prime Rate increases, so you can be confident that you are getting a great rate each month!
  • Earn 1 ScoreCard® Bonus Point per dollar spent on all purchases, and reward yourself with great merchandise, travel rewards, shopping discounts, or a statement credit. Browse the ScoreCard site here and see what you could use your points for!
    • Use Redeem2Erase to turn your points into CASH, "erasing" eligible transactions you have already made in the past 90 days.
    • Pay with ScoreCard Rewards points at the register at Walmart, CVS, Dollar General, and Walgreens. The option to redeem your points is already built into your card. You'll automatically be prompted to use points at checkout. Select "yes" to redeem your points toward your purchase!
    • Enjoy a real-time instant fuel price rollback at the pump and save $0.50 per gallon, up to 20 gallons, every time you fuel up! Simply use your ScoreCard Rewards card at the beginning of your transaction at a participating gas station to see the fuel discount offer and redeem for savings. 
    • Use your ScoreCard Rewards points when shopping online with PayPal! Add your card to your PayPal account to get started, and choose your ScoreCard Rewards card as the default payment preference to pay with your points! Learn more here. 

Apply For Visa Platinum Premier Estimate Your Payments ScoreCard Rewards FAQs

Ideal for building a credit history without creating unmanageable debt

  • No annual fee
  • Non-variable rates as low as 12.25% APR* on purchases, balance transfers, and cash advances
  • Credit limit up to $4,500
  • Our rates are non-variable, meaning they won't increase as the Prime Rate increases, so you can be confident that you are getting a great rate each month!

Apply For Visa Classic Estimate Your Payments

All First Northern Visa Credit Cards offer these amazing benefits, at no additional cost to you:

  • ID Navigator Powered by NortonLifeLock™** 
  • Roadside Dispatch®:*** 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 Credit Card 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 Credit 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 Visa Credit 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

More about Visa benefits

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.

**No one can prevent all identity theft. 

***Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.
Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor First Northern Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other off road; areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor First Northern Credit Union provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

****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 us for more details.