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Visa® Credit Card

Elevate Every Spend

Wave goodbye to hidden fees. The First Service Visa® Credit Card is designed for the journey of everyday life. Take advantage of 6 months of 0% introductory APR1 on both transfers and purchases. With us, it's always clear terms, pure convenience, and zero surprises. Ready to experience more?
Apply Now

0% intro APR¹

for the first 6 months

Experience Easy Finances with Low Rates

Enjoy a 6-month journey with a 0% intro APR1 on your buys and transfers. After our warm welcome, you’ll still bask in a competitive fixed rate without the burden of an annual fee. Want a partner on your credit journey? Add an authorized signer, no credit pull attached.

Accelerate Your Financial Freedom with Simple Balance Transfers

Why get stuck with high rates elsewhere? With the First Service Credit Union Visa® Credit Card, you'll find no balance transfer fees after the first 6 months.2 It's your invitation to swiftly shift your balances from those pesky high-rate cards, bringing you closer to clearing your dues or easing those monthly payments!

Remarkable Features, Just a Swipe Away

  • Zero Intro APR

    Get a 0% introductory APR on your buys and transfers for six months.1
  • Low Interest Rate

    Keep your finances light with our consistent low rate.
  • Fee-Free Freedom

    Zero annual fees, because convenience shouldn't come at a cost.
  • Balance Transfers, No Fee

    Breeze through balance transfers without any fee post the introductory period.
  • Tap & Go

    Seamlessly sync with Apple Pay®, Google Pay™, or Samsung Pay™3. Your digital wallet is waiting!
  • Add a Trusted Partner

    Get an authorized signer on board without the fuss of credit checks.
  • Guarded & Secure

    Rest easy with Visa's Zero Liability Policy​4 and our steadfast ID Navigator Powered by NortonLifeLock™.5
  • Banking On the Go

    Access your finances anytime, anywhere with First Service Digital Banking.

Secure Your Financial Flexibility

Stop by one of our 14 Houston-area branches, give us a call, or quickly apply online to get started.

Card Services FAQs

You can make your monthly credit card payment using our form on, or you can make your payment using First Service Digital Banking by following the steps below:

  1. Navigate to Make a Transfer under Transfers & Payments in the menu.
  2. In the first column, select the account from which you wish to pay the loan.
  3. In the second column, select the loan you wish to pay.
  4. In the third column, choose the amount you wish to pay and choose whether you'd like to make a one-time or recurring payment.
  5. Click Transfer Now to complete your payment.

It's easy to add an Authorized Signer within First Service Digital Banking. Simply follow these steps:

  1. Once you’ve logged in to digital banking, navigate to Manage First Service Cards, then Add/Remove Authorized Users.
  2. Select your card from the dropdown, then complete the form on the screen, and check the box to acknowledge the terms associated with adding an Authorized Signer.
  3. Click the Add button to complete your request.

If you ever need to dispute a credit card transaction, you can call our team at 713-676-7777 or visit one of our Houston-area branches to submit your dispute.

You may file a dispute for any of the following reasons:

  • Someone else used your card without your permission
  • There was a billing error on your account
  • You cannot resolve a billing issue with a merchant

Please note, disputes may only be made on a transaction made within 60 days of the statement date. A provisional credit will be applied within 10 business days.

Transferring a balance to your card is easy with First Service Digital Banking. Simply follow the steps below:

  1. Navigate to Transfer a Credit Card Balance under Transfers & Payments in the menu.
  2. Complete the required information about the cards you wish to transfer to and from.
  3. Click Submit to finalize your request.

When you open a new First Service Visa® credit card, six months with the 0% introductory APR period on purchases and transfers will be a standard feature of your account.

Once the introductory period ends, your rate will change to the standard APR (listed above).

There are no service charges or hidden fees for adding an Authorized Signer on your First Service Visa® credit card. Taking advantage of this feature won't cost you a thing.

An Authorized Signer is a person that has been designated as having the authority to make charges on your account.

When you add an Authorized Signer to your First Service Visa® credit card, we will send them their own card with their name on it and access to your credit line. They should receive this card within 7 - 10 business days.

To put it simply, credit cards are revolving lines of credit where a borrower uses what they need when they need it, and personal loans are lump-sum amounts that are paid all at once.

To better understand the difference between loan types, and to know when to use each, check out this article on our website.

1. Navigate to the fifth option, “menu” in the digital banking app.
2. Scroll down to the “Manage My Loans” section
3. Select “Credit Card Balance Transfer”
4. Complete the fields on the form and click continue.

The primary owner of the First Service Visa® credit card is responsible for all charges made on the account and interest accrued from those charges, as laid out in the card's terms. That includes charges made by an Authorized Signer.

Adding an Authorized Signer to your First Service Visa® credit card won't negatively impact your credit score or the credit score of the person you are adding. There is no credit pull required for either party. However, heavy card usage can diminish credit availability, which is a factor that influences your credit score.

If you are interested in improving your credit score, we have created a free guide to help you better understand what credit scores are, how they're calculated, and what you can do to improve yours over time.

Please follow these steps to transfer a credit card balance within digital banking:
1. Log in to digital banking
2. Tap on Menu at the bottom right of your screen.
3. Scroll down to the Manage My Loans tab and select Credit Card Balance Transfer.
If you’re on desktop, tap on the Loans tab and select Credit Card Balance Transfer under Manage My Loans. Here, you can transfer a credit card balance.