Credit Cards

First Jersey Credit Union is proud to offer a full line of Visa® credit cards to match your specific need. Our competitive interest rates and generous credit limits make a FJCU Visa the obvious choice. Our cards have no annual fee, no cash advance fee, no balance transfer fee and no application fee. Our rates are competitively low, which allows you to transfer balances from existing cards or use convenience checks whenever you need them. Monthly payments are never more than 2% of your balance, and with AutoPay, payments are made from your First Jersey Checking or Savings account. Apply today to start experiencing the superior value and benefits of First Jersey Credit Union Visa card.

VISA Platinum (5.00% APR*)

Earn CashBack on every purchase made with your First Jersey Platinum Visa credit card! There's no enrolment necessary and earnings are paid out annually. For more details on CashBack, contact our Cards Services Representative. Benefits of the Visa Platinum include:

  • Warranty Services
  • Travel Accident Insurance
  • Travel Reservations
  • 90 Day Product Protection
  • Payment Card Registration
  • Identity Theft Victim Assistance
  • Identity Theft Insurance
  • Automatic Renter's Insurance
  • Personal Shopper
  • Price Guarantee
  • Concierge Services
  • Family Medical Information Card
  • Debt Protection

Visa Gold (7.40% APR*)

Benefits of the Visa Gold include:

  • Warranty Services
  • Travel & Emergency Services
  • Travel Accident Insurance
  • Travel Reservations
  • 90 Day Product Protection
  • Payment Card Registration
  • Identity Theft Victim Assistance
  • Identity Theft Insurance
  • Letter Checks
  • Automatic Renter's Insurance
  • Debt Protection

Visa Classic (11.00% APR*)

Benefits of the Visa Classic Card include:

  • Travel Accident Insurance
  • Letter Checks
  • Automatic Renter's Insurance
  • Debt Protection

Visa Share Secured (12.00% APR*)

The Visa Share Secured card is a great way to establish or re-establish your credit history. Your Visa is secured with funds held in a savings account at First Jersey Credit Union. You'll earn interest on the funds as long as they are pledged as security for your Secured Visa.


Verified by Visa is a proven system that uses identity information or passwords to confirm the identity of cardholders during online transactions, helping prevent fraudulent purchases before they occur. Verified by Visa gives consumers confidence that they can use their Visa cards to make purchases online without fear of unauthorized usage-thus removing the major barrier to increased web commerce.
For more information or to sign up for Verified By Visa, please visit www.visa.com/verified

* The APR (Annual Percentage Rate) may vary. The rate is determined monthly by adding 0% for Visa Platinum, 2.4% for Visa Gold, 6% for Visa Classic or 7% for Visa Secured, to the Prime Rate. The Current Prime rate is 5.00% as of 5/1/08.

To report your Visa Card lost or stolen, please contact Visa directly at 1.800.325.3678.

Compare our Credit Card Plans.