Credit Cards
A credit card that fits the way you spend.
Credit Cards for Different Goals
Whether you’re looking to earn cash back, lock in a fixed rate, or build your credit, First U.S. offers credit card options designed around different financial needs. Compare the choices below to find the card that works best for you.
No Annual Fee
Keep more of your money with no annual card fee.
No Balance Transfer Fee
Pay less in credit card fees and keep more to yourself.
No Penalty Pricing
Your rate won’t increase simply because you miss a payment.
Compare Your Credit Card Options
First U.S. offers three credit card options designed for different goals. Compare the highlights below, then review rates and fees for more detail.
Platinum Preferred – Fixed Rate Visa®
Best if you want…
Predictable rates and balance transfers
- 0% APR for Six Months
- A low fixed rate after introductory period
- No balance transfer fee
- Designed for members who value rate stability
Cash Rewards Visa®
Best if you want…
Earning cash back on everyday purchases
Earn up to 3% cash back*
- Rewards deposited monthly to savings
- No foreign transaction fee
- Variable rate
Share Secured Visa®
Best if you want…
Building or rebuilding credit
- Secured by funds on deposit
- A low fixed rate
- Designed to help establish or strengthen credit history
- 120% security-to-limit ratio
Compare Rates & Fees
Review rates, fees, and terms across First U.S. credit card options to help you choose with confidence.
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Best For
Best For
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Rate Type
Rate Type
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APR / Introductory Offer
APR / Introductory Offer
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Annual Fee
Annual Fee
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Balance Transfer Fee
Balance Transfer Fee
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Foreign Transaction Fee
Foreign Transaction Fee
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Cash Advance Fee
Cash Advance Fee
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Minimum Finance Charge
Minimum Finance Charge
Cash Rewards Visa®
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Best For
Earning cash back on everyday purchases
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Rate Type
Variable
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APR / Introductory Offer
As low as 14.95%
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Annual Fee
None
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Balance Transfer Fee
$0
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Foreign Transaction Fee
$0
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Cash Advance Fee
2% – $2 minimum, $50 maximum
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Minimum Finance Charge
$0
Platinum Preferred – Fixed Rate Visa®
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Best For
Predictable rates and balance transfers
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Rate Type
Fixed
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APR / Introductory Offer
As low as 9.90% APR
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Annual Fee
None
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Balance Transfer Fee
$0
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Foreign Transaction Fee
Up to 1%
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Cash Advance Fee
2% – $2 minimum, $50 maximum
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Minimum Finance Charge
$0
Share Secured Visa®
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Best For
Building or rebuilding credit
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Rate Type
Fixed
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APR / Introductory Offer
As low as 14.90%
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Annual Fee
None
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Balance Transfer Fee
$0
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Foreign Transaction Fee
Up to 1%
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Cash Advance Fee
2% – $2 minimum, $50 maximum
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Minimum Finance Charge
$0
See what you could save
Considering a balance transfer? Use our calculators to explore how moving a higher-rate balance could affect your interest costs and monthly payments.
Ready to Find Your Card?
Disclosures
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*Annual Percentage Rates (APRs), terms and offers accurate as of 03/02/2026 and subject to change without notice. Income, credit and other criteria will determine actual APR. 25-day period to avoid paying interest on purchases applies if the total new balance is paid in full by the due date every billing period. If not paid in full, there is no grace period. One card type per member. Cannot be used to refinance an existing First U.S. loan. Platinum Visa: After intro rate period, your rate will not increase. Cash Rewards Visa: Rate is variable, see Card Agreement for more information. Account must be open and in good standing to earn rewards.