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The Verdict: Members of the SchoolsFirst FCU — a credit union serving employees of elementary, secondary and college-level schools in the state of California — have three solid credit cards from which to choose, the Visa Gold, Visa Platinum and Visa Rewards Card. All are notable for their low interest rates and fees, making them good cards to have in your wallet.
Overview: Each of the cards comes with a different purchase interest rate and credit limits. The Visa Rewards Card is the only of the three that comes with a rewards program.
How These Cards Work: The SchoolsFirst FCU Visa Gold and Visa Platinum credit cards operate just as normal credit cards do. As long as you pay your monthly balance in full each month, you won’t be charged interest. If you don’t, you will. The SchoolsFirst FCU Visa Rewards Card will provide you with rewards point for every purchase you make with the card.
Travel & Shopping Benefits: Both the Visa Platinum and Visa Gold cards come with no annual fee. They also come with anti-fraud protection. The Visa Rewards card provides you with one rewards point for every dollar that you charge with the card. You can turn the rewards into merchandise, gift cards, airline miles or hotel stays.
Fees: The Visa Rewards card does come with a low annual fee of $25. This fee, though, is waived for the first year in which you owe your card. The Platinum and Gold cards do not come with annual fees. The purchase interest rate with the rewards card will range from 11.50 percent to 17.90 percent. The purchase interest rate attached to the Visa Platinum card is 8.50 percent to 17.90 percent, while owners of the gold card will be charged from 10.5 percent to 17.90 percent.
- Low purchase interest rates.
- Visa Rewards card comes with sold rewards programs.
- Visa Gold and Platinum versions come with no annual fees.
- Annual fee with Rewards card.
- No rewards program with Gold or Platinum cards.
- Must be member of SchoolsFirst credit union to apply for these cards.