Visa Credit Cards

We've got a perfect Visa® Credit Card for you, and our rates are non-variable, so you can rest assured that you are getting the same low rate each month!

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Visa® Platinum: great benefits with our lowest APR*

NON-VARIABLE rates as low as 14.99% APR*
Same low rate for purchases, balance transfers and cash advances
No annual fee
Credit lines up to $30,000

Visa® Platinum Premier: the card that pays you back!

NON-VARIABLE rates as low as 16.25% APR*
Same low rate for purchases, balance transfers, and cash advances
No annual fee
Credit lines up to $30,000
Earn 1 ScoreCard® Rewards Point per dollar spent on all purchases, and reward yourself with great merchandise, travel rewards, shopping discounts, or a statement credit on the ScoreCard site here.
- "Erase" eligible transactions from your statement with Redeem2Erase.
- Pay with ScoreCard Rewards points at the register at Walmart, CVS, Dollar General, AT&T, and Walgreens. You'll automatically be prompted to use points at checkout. Select "yes" to redeem your points!
- Enjoy instant fuel price rollback at the pump and save $0.50 per gallon, up to 20 gallons! Simply use your Visa Platinum Premier card at a participating gas station to redeem points for the the fuel discount.
- Use your ScoreCard Rewards points when shopping online with PayPal! Choose your Visa Platinum Premier card as your default payment preference to pay with your points.

Visa® Classic: build a credit history at a great rate

NON-VARIABLE rates as low as 18.25% APR*
Same low rate for purchases, balance transfers, and cash advances
No annual fee
Credit lines up to $4,500

CreditSense Visa® Credit Card

When you make the first six payments of your CreditSense loan on time, you’ll qualify for a Visa Credit Card with a $750 limit**, a 24.99% APR*** on all purchases and cash advances, and a low annual fee. With timely payments, this card not only provides access to credit when you need it most, it helps build a positive credit rating and score.

To learn more about our CreditSense program, click here or call 888-328-8677.

**Subject to approval. *** APR=Annual Percentage Rate. Some restrictions may apply. Contact us for details.

The cards above all come with these amazing benefits, at no additional cost:

Roadside Dispatch®:*** 24 hours a day, 7 days a week (call 800-847-2869)
Free Automatic Travel Accident Insurance (up to $150,000) if your airplane, train, bus, or ship tickets are charged to your eligible First Northern Visa
Free 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.
Automatic coverage in 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®, Google Pay®, and other digital wallets.
Various real-time and non-real-time security and account alert options are available
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.
Tap To Pay enabled: With Visa contactless payments, a simple and secure tap is all it takes to pay for the things you need. Contactless payments make it secure, convenient and touch-free.
Optional Debt Protection Coverage to help protect your payments and your credit rating

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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.

***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.