First-Time Visa Card
First-Time Visa Card
Build your credit with your first credit card
Designed to build credit while you learn to use credit cards responsibly.
Visa ExpressCheck Card and Visa Classic Credit Card
Rates
Fixed APR
Fees
No annual fees
Credit Limit
$20,000
Start your credit journey with the FECA First-Time Visa.
There are so many great reasons to carry a FECA Visa credit card.
No Annual Fees Wallet Pay Security from Fraud
This card is best for:
Students & Newly Employed
Establishing Credit
No Credit Score
The benefits of the First-Time Visa Classic
No Credit Score Required
No credit score? No problem. You can qualify for the FECA First-Time Visa without a FICO credit history.
No Security Deposit
The FECA First-Time credit card is ideal for students. Unlike secured cards, they don’t require upfront deposits.
Will you check my credit score?
No! There’s no need to check your credit history with the FECA First-Time Visa. You won’t be denied for lack of credit. This card is for those who do not yet have any credit history.
A simple card designed to build credit
While this card doesn’t have a Rewards program, it’s a great choice for those just starting out and trying to build credit. We monitor your card activity and report your card status to the credit bureaus to build positive credit history. This will help build your credit over time allowing you to qualify for cards with higher limits and lower rates.
Builds your credit as you use it
FECA monitors your card activity and reports your card status to the credit bureaus. Spending within your limit & paying your Secured Visa bill monthly should help build your credit over time.
All FECA credit cards feature:
- No annual fee or balance transfer fee
- Free 24/7 fraud monitoring service
- Immediate online cash advance availability
- Security: EMV Chip Technology, Visa Secure Verification, Fraud notifications, tokenized transactions from your mobile wallet
- Mobile Wallet: Add your secured card to your mobile device for convenient & secure payments with just a tap.
- AutoPay: Set automatic pay options to pay bills on time and avoid late fees.
Ready to transfer a balance?
Fill out our online form for transferring an existing credit card balance to your new Visa Classic card.
Online Payment Portal
Making card payments from an outside account? Click here to make an easy online payment (email address and passcode required).
Transfer a Balance
For the first 12 months, take advantage of the low <dynamic rate> to transfer the balances from your other existing cards. Use your balance transfer to:
- Consolidate debt and lower your interest rates.
- Pay off higher-rate cards.
- Reduce your monthly payments.
- Cover unexpected expenses.
How Credit Cards Work
Credit Cards are valuable tools for everyday purchasing and to building credit. Learn how to use them responsibly.
Understanding Credit
Learn the basics of credit scores, what affects your credit, and how to build a strong credit history.