Credit Cards
Big savings.
Credit cards with 0% Intro APR1.
Whether you’re planning a DIY project or managing unexpected expenses, get 12 months of 0% Intro APR on purchases and balance transfers made within 90 days of account opening.
Compare options below to find the card that fits your needs.
Spotlight™ Visa Signature® Card
- 0% Intro APR1
- 2 Points Per Dollar on eligible purchases3
- Premium Rewards on travel, hotel, concierge services, and more4
Preferred Cash Visa Signature® Card
- 0% Intro APR1
- 1.5% Unlimited Cash Back2
- Dining and live music experience perks5
Visa® Platinum Card
- 0% Intro APR1
- An easier way to build your credit
The Benefits
Convenient Funds
Conveniently have funds on hand without the hassle of carrying cash or writing a check.
Build Credit
Making payments on time and keeping balances low can lead to better loan terms and interest rates in the future.
Earn Rewards
Choose a credit card that earns points or cash back, and redeem points for gift cards, travel, and more.
Compare our credit card rates.
|
Credit Card |
APR* |
Loan Amount |
|---|---|---|
|
*APR=Annual Percentage Rate. Rates are variable and subject to change without notice. |
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|
Credit Card Spotlight Visa Signature® |
APR* 17.24% – 25.40% |
Loan Amount $5,000 – $30,000 |
|
Credit Card |
APR* |
Loan Amount |
|---|---|---|
|
*APR=Annual Percentage Rate. Rates are variable and subject to change without notice. |
||
|
Credit Card Preferred Cash Visa Signature® |
APR* 14.24% – 21.90% |
Loan Amount $5,000 – $30,000 |
|
Credit Card |
APR* |
Loan Amount |
|---|---|---|
|
*APR=Annual Percentage Rate. Rates are variable and subject to change without notice. |
||
|
Credit Card Visa® Platinum |
APR* 12.74% – 20.40% |
Loan Amount $500 – $30,000 |
FAQs
Both members and prospective members can apply online. You can also apply by chatting with us or making an appointment for more personal assistance with the application process.
There are two easy ways for you to activate your credit card. You can call 800.631.3197 to activate your card, or you can:
- Login to Digital Banking.
- Click on “Card Management” and then “Manage Your Cards”.
- Select the credit card in your profile that needs activating and simply click the “Activate” button to activate.
You can make your credit card payment(s) through Digital Banking as follows:
From a First Entertainment Checking or Savings account:
- Log in to Digital Banking.
- On your Dashboard, select the “Pay” icon on the credit card you wish to make a payment to.
- On the Transfers page, select the First Entertainment Checking or Savings account you wish to pay from.
- Enter the amount you wish to pay and when, and you can pay your current balance, statement balance, minimum due or other amount.
From a non-First Entertainment Checking or Savings account:
- Log in to Digital Banking.
- On your Dashboard, select “Card Management”.
- Then select “View Credit Card”.
- Select the “Make Payment” option.
- You can then “Choose a Payment Account” (external or internal) or
- Select the “Edit” button to change or add a new account to pay from.
- Enter the amount you wish to pay and when, and you can pay your current balance, statement balance, minimum due or other amount.
- You can also enroll in “Automatic Payments” by selecting the “ENROLL” option next to “Automatic Payments” on this page.
The easiest way to perform a balance transfer is via Digital Banking:
- Visit Digital Banking at https://experience.firstent.org.
- Go to “Card Management”.
- Select “Manage Your Cards” and select the card to balance transfer to.
- Click on “Manage Card“.
- Once on the Card Manager page, select the balance transfer.
- Enter your balance transfer request with the following information:
- Card Issuer Name
- Account Number (as it appears on your bill)
- Account Payment Mailing Address (the address of the card you wish to transfer from)
- Transfer Amount
- Read the Disclosure and check the “I Agree” box.
- Click “Submit”.
You may also call us at 888.800.3328 or make an appointment at a branch for more personal assistance with a balance transfer request.
Your credit card payment is due no later than the 4th day of each month. We will not charge you interest on purchases if you pay your entire statement balance in full by the due date each month.
Not finding what you’re looking for? See all FAQs.
Not finding what you’re looking for? See all FAQs.
Disclosures
- 1
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APR = Annual Percentage Rate. 0.00% Introductory APR for twelve (12) months from date of account opening when purchases are completed within ninety (90) days of account opening. 0.00% Introductory APR for twelve (12) months from date of balance transfer when balance transfers are completed within ninety (90) days of account opening. After the introductory rate period ends, your APR for purchases and balance transfers will be 12.74% – 20.40% for Visa® Platinum; 14.24% – 21.90% for Preferred Cash Signature Visa®; and 17.24% – 25.40% for Spotlight™ Visa Signature®, based on your creditworthiness. This APR will vary with the market based on the Prime Rate, as published in the Wall Street Journal. A 3% Balance Transfer fee will apply to each Balance Transfer transaction. Cash Advance transactions are subject to a Cash Advance Fee of 3% of the amount of the advance which is posted to the Account during the billing cycle, or $5.00, whichever is greater. Additional fees and charges may apply. All loans subject to credit approval. Proof of income may be required depending on your credit rating and other underwriting factors. For complete details on rates and fees, please refer to the Visa® Interest and Fee Information disclosure.
- 2
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Preferred Cash Signature Visa®. For each dollar of Qualifying Purchases charged to your Cash Back Rewards Account, you will be awarded a 1.5% ($0.015) cash reward. As long as your Cash Back Rewards Account remains open and in good standing, your accumulated cash rewards will not expire. Terms and conditions apply. For complete details, please refer to your Preferred Cash Signature Visa Rewards® Program Rules, Terms, and Conditions.
- 3
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Spotlight™ Visa Signature®. For each dollar of Qualifying Purchases charged to your Rewards Account, you will be awarded Points Rewards (“Point” or “Points”) that will accumulate until they are redeemed, forfeited, expired, or suspended. Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures, based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for the purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. While a merchant, or some of the items that the merchant sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For purchases made where the merchant code and/or category is identified as travel, dining, entertainment, or grocery, you will earn two (2) Points per one dollar ($1.00) spent. For purchases made in all other merchant categories, you will earn one (1) Point per one dollar ($1.00) spent. Purchase amounts and Point accruals are subject to rounding for simplicity. Merchant code identification and classification are controlled by third parties and are subject to change without prior notice. For complete details, please refer to your Spotlight™ Visa Signature® Rewards Program Rules, Terms, and Conditions.
- 4
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Spotlight™ Visa Signature® Benefits. Restrictions apply. For full cardholder benefits and limitations, please consult your First Entertainment Credit Union Spotlight™ Visa Signature® Guide to Benefits.
- 5
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Visa® Platinum and Preferred Cash Signature Visa® Benefits. Restrictions apply. For full cardholder benefits and limitations, please consult your Visa® Consolidated Guide to Benefits.
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Visa® is a registered trademark of Visa® International Service Association and is used under license.
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The Contactless Symbol is a trademark owned by and used with the permission of EMVCo, LLC. Contactless payments available at participating merchants. Not all merchants participate.