|
Introductory Purchase APR*
|
0% for 12 months |
| Introductory Balance Transfer APR |
Same as Standard Purchase APR |
| Standard Purchase APR** |
12.15% to 18% |
| Cash Advance APR |
Same as Standard Purchase APR |
| Annual Fee |
$0 |
| Minimum Interest Charge |
$0 |
| Balance Transfer Fee |
$0 |
| Cash Advance Fee |
$0 |
| Foreign Transaction Fee |
1% of each transaction in U.S. dollars |
| Purchase Transaction Fee |
$0 |
| Late Payment Fee |
Up to $25.00 |
| Returned Payment Fee |
Up to $30.00 |
| Statement Copy Fee |
$6.00 |
| Document Copy Fee |
$25.00 |
| Rush Fee |
$30.00 |
| Card Replacement Fee |
$10.00 |
| Pay-by-Phone Fee |
$0 |
Disclosures
†Visa Credit Card Agreement
| Purchase Intro APR* |
0% for 12 months |
| Balance Transfer Intro APR |
Same as Standard Purchase APR |
| Standard Purchase APR** |
15.15% to 18% |
| Cash Advance APR |
Same as Standard Purchase APR |
| Annual Fee |
$0 |
| Minimum Interest Charge |
$0 |
| Balance Transfer Fee |
$0 |
| Cash Advance Fee |
$0 |
| Foreign Transaction Fee |
1% of each transaction in U.S. dollars |
| Purchase Transaction Fee |
$0 |
| Late Payment Fee |
Up to $25.00 |
| Returned Payment Fee |
Up to $30.00 |
| Statement Copy Fee |
$6.00 |
| Document Copy Fee |
$25.00 |
| Rush Fee |
$30.00 |
| Card Replacement Fee |
$10.00 |
| Pay-by-Phone Fee |
$0 |
Redeem reward points in online banking or the FPCCFCU Mobile App
DreamPoints Rewards Details
Earn 1.5 points per dollar spent on purchases; returns will be deducted from the bonus point calculation. There is no limit to the amount of points you can earn. If your account is closed, voluntarily or involuntarily, past due or over limit, you will forfeit all points. Your points will expire after three (3) years, with the oldest points expiring monthly.
Disclosures
†Visa Credit Card Agreement
Visa® Credit Cards
Purchase what you need or want anytime in stores or online with our low APR* and no annual fees Visa® Credit Cards. Enjoy the freedom of flexible funding that’s there for you whenever you need it. Apply today and start shopping with ease.
Visa® Infinity Credit Card
Finding a low rate credit card can be tricky, but our Visa® Infinity credit card takes out the guesswork.**
Apply Now View Details
DreamPoints Rewards Credit Card
Understanding Your Credit Card Statement
How We Calculate Your Balance
We use a method called “average daily balance (including current transactions).” See your account agreement under Finance Charge for more details.
Minimum Monthly Payment
Minimum monthly payment is 3% of your total new balance or the over limit amount, whichever is greater, but not less than $25 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available credit for three (3) business days. Your payment is due the 28th of every month.
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
DreamPoints Rewards Details
Earn 1.5 points per dollar spent on purchases; returns will be deducted from the bonus point calculation. There is no limit to the amount of points you can earn. If your account is closed, voluntarily or involuntarily, past due or over limit, you will forfeit all points. Your points will expire after three (3) years, with the oldest points expiring monthly.
Disclosures
*Rate Based on creditworthiness. APR = Annual Percentage Rate. Rates valid as of October 1, 2025. Rates subject to change without notice.
**Special purchase interest rate of 0.00% APR is applied for 12 months from posting date of the transaction. APR = Annual Percentage Rate. Promotional APR will last through twelve statements and then revert to the regular variable purchase APR with the thirteenth monthly statement. You have 25 days after the close of each statement period to pay your balance in full without being charged interest.
Visa Credit Card 24-hours Benefit Administrator Line (Travel, Trip Cancelation, and Roadside benefits): 1-800-992-6029 If you are outside of the United States, call collect at 1-804-673-1675
Visa Credit Card Agreement