Low Rates or Rewards — Choose the Credit Card That Works for You
First Commerce Visa® credit cards give members in North Florida and South Georgia the flexibility to choose what matters most – low interest rates or rewards on everyday purchases. Plus, manage your card anytime through First Commerce Digital Banking to track purchases, monitor balances, and stay in control wherever you are.
Boost Your Credit Card Benefits and Purchasing Power
No Annual Fee
Emergency Cash or Card Replacement
Zero Liability Protection
Roadside Dispatch
Travel Assistance
Local Support and Service
Breathe Easier With Lower Interest
If you’re looking for a new credit card or tired of paying high interest rates, the First Commerce Low-Interest Visa® credit card offers a simple way to save. Members in North Florida and South Georgia can enjoy competitive rates and the option to speak with a local expert when they need support.
Apply NowPut Your Spending to Work
Make everyday spending more rewarding with a First Commerce Rewards Visa® credit card. Members in North Florida and South Georgia earn 1 point for every dollar spent through the uChoose Rewards® program, with extra points available from popular retailers. Redeem points anytime for travel, merchandise, event tickets, and more.
Apply Now
Activate or Report a Lost Card
To activate your new card, call us at 1.800.992.3808. If your card is misplaced or stolen, we’re here to help. Call us at 1.800.533.5772.
Member Testimonial
“When I call other places, I feel the representatives are in a hurry to get me off the phone, but your team members were patient while assisting me and stayed on the phone to make sure my card was working so I would not have to call again.”
Master Your Credit: Tips for Credit Card Success
Debit vs. Credit: What and When to Use
Learn the key differences between debit and credit cards, and when it’s best to use each for your purchases. This article breaks down the pros and cons of each type of card to help you make smarter financial decisions.
Credit Card Management Tips for Smart Spending
Discover helpful strategies for managing your credit card effectively, from making on-time payments to maintaining a healthy credit score. This article offers actionable tips that can help you take control of your spending and avoid costly mistakes.
10 Things You Should Never Buy with a Credit Card
Not all purchases should be made with a credit card. This article lists 10 types of purchases you should avoid to prevent falling into debt or harming your credit score and offers alternative payment suggestions for each situation.
Debit vs. Credit: What and When to Use
Learn the key differences between debit and credit cards, and when it’s best to use each for your purchases. This article breaks down the pros and cons of each type of card to help you make smarter financial decisions.
Credit Card Management Tips for Smart Spending
Discover helpful strategies for managing your credit card effectively, from making on-time payments to maintaining a healthy credit score. This article offers actionable tips that can help you take control of your spending and avoid costly mistakes.
10 Things You Should Never Buy with a Credit Card
Not all purchases should be made with a credit card. This article lists 10 types of purchases you should avoid to prevent falling into debt or harming your credit score and offers alternative payment suggestions for each situation.
Your Financial Partner for Life
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
Credit Cards Frequently Asked Questions
Yes. Members in North Florida and South Georgia can transfer balances from higher-interest credit cards to a First Commerce Visa® credit card to help lower payments, consolidate debt, and potentially pay off balances faster.
