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Credit Cards

From dream vacations to daily coffee shop orders, credit cards open the door to a world of possibilities. Start effortlessly making transactions, while building a strong credit history that will pave the path to your future financial dreams.

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What You Get When You Open a

Visa® Platinum Credit Card 

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    3% minimum payment

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    No cash advance, over limit, annual, or balance transfer fees

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    Rewards cards available

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    Check out our competitive rates

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Pick Your Card

Visa Platinum with Rewards

  • 3% minimum payment
  • No cash advance, over limit, annual, or balance transfer fees
  • Earn Reward Points! For every qualifying purchase made using your credit card, you earn valuable rewards that can be redeemed for merchandise rewards, statement credits & travel rewards! $1.00 spent equals 1 point earned.1 
  • Learn more.

Visa Platinum

  • Perfect for members that carry a balance and desire our lowest interest rate
  • 3% minimum payment
  • No cash advance or over limit fees
  • No annual fees or balance transfer fees
  • Learn more.

Visa Platinum Secured with Rewards

  • Perfect for those with poor credit history and are trying to get back on track, or who have no credit history and are just trying to get established.
  • Annual fee of $36.00, charged on the anniversary of the card opening
  • Credit limit will be frozen in your Firelands FCU savings to secure the card
  • All signers on the deposit account must sign the card application
  • 3% minimum payment
  • No cash advance, over limit, or balance transfer fees
  • Earn Reward Points! For every qualifying purchase made using your credit card, you earn valuable rewards that can be redeemed for merchandise rewards, statement credits & travel rewards! $1.00 spent equals 1 point earned.1
  • Learn more.

Plus, you’ll enjoy these added benefits!

  • Travel Accident & Baggage Delay Insurance
  • Payments can be made via the Firelands Cards app, in person, through online banking, or by mail
  • Easily replaced if lost or stolen
  • Easily transfer balances from other credit cards! Log in to online or mobile banking, click “Cards” and “Manage Cards” to complete.

1Qualified purchases do not include cash advances, convenience checks, or returns.

Credit Card Agreement and Disclosure

Ready to apply?

Apply Now
The convenience of online payments

What You Get When You Open a

Visa® Signature Credit Card

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    Earn 1.5% cash back

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    Shop anywhere, worldwide

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    No annual fees or balance transfer fees

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    Check out our competitive rates

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    2% minimum payment

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    No cash advance or over limit fees

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    Easily replaced if lost or stolen

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    Easily transfer balances from other credit cards! Log in to online or mobile banking, click “Cards” and “Manage Cards”.

Details

Earn up to 1.5% cash back!

For every qualifying purchase1 made using your Signature Visa, you earn valuable points that can be redeemed for cash back deposited to your Firelands FCU account, statement credits, merchandise or travel rewards! $1.00 spent equals 1.5 points earned. Log in to online or mobile banking, click “Cards” and “Manage Cards” to review the reward options. 

1Qualified purchases do not include balance transfers, cash advances, convenience checks or returns. When you use points to redeem for cash, each point is worth $0.01, which means that 5,000 points equals $50.00 in redemption value. Redemption values for other reward options may vary.

Visa Signature Luxury Hotel Collection

Ensures you have an unparalleled experience with unique benefits like VIP status, complimentary breakfast daily and an upgrade when available.

Visa Signature Concierge

24/7 complimentary service2. From travel research, to booking tickets to a show or sporting event, to providing restaurant reservations, your concierge is here to help.

Plus, you’ll enjoy these added perks!

  • Travel Accident & Baggage Delay Insurance
  • Trip Delay
  • Travel & Emergency Assistance Services
  • Special savings on other entertainment offers online
  • Payments can be made via the Firelands Cards app, in person, through online banking, or by mail

Credit Card Agreement and Disclosure

      Ready to apply?

      Apply Now

      Firelands Card App

      Manage your Firelands Federal Credit Union credit cards conveniently from anywhere using Firelands FCU’s mobile card app.

      Card registration is a cinch from any mobile device, and access is secure and protected by multi-factor authentication.

      No personal information is stored on the device.

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        View recent and pending transactions

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        View next payment amount and due date

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        Make a payment to your credit card

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        Report a card lost or stolen

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        Raise a dispute on any transaction

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        Activate your card

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        Set up travel notifications

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        Retrieve CURewards points

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        Set up Card Alerts to let you know when your card is used

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        Set up Controls to block certain transactions

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        Access the app on Google Play or Apple Store

      Firelands Cards App
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      Apply Online/Request a Credit Line Increase

      Get started now—no visit to a branch necessary

      Ready to apply?

      Apply Now

      Firelands Flex Spend/
      Installment Payments

      Divide large, qualifying purchases over monthly installment payments at a lowered interest rate.

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        Low-interest rate

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        No new line of credit

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        No credit checks

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        No credit impact

      Details
      • Eligible cards include Visa Platinum, Visa Platinum with Rewards, Visa Signature
      • Minimum transaction amount to qualify is $100
      • Maximum transaction amount to qualify is $15,000
      • No penalty for early repayment
      • Up to three payment plan options
      • Up to 10 active plans on your account at a time
      • Details of Installment Payment Plans included on monthly statements
      • Flex Spend payment(s) added to your minimum monthly credit card payment 

      Get started and view further details in Online or Mobile Banking!

      Firelands Flex Spend

      As a Firelands Federal Credit Union credit cardholder, you now have the power to divide large, qualifying purchases over monthly installment payments at a lowered interest rate.* No new line of credit. No credit checks. No impact to your credit score. Just another helpful tool to see you achieve your financial goals with Firelands Federal Credit Union.

      If you have a Visa Platinum, Visa Platinum with Rewards, or Visa Signature card, follow these four steps to get started:

        1. Download the Firelands FCU Mobile App
        2. Make qualifying purchases at your favorite retailer
        3. Choose your installment plan in the Mobile App
        4. Pay back your purchase on your terms
      Young attractive bearded father sitting at dinning table with his beloved adorable son and paying bills online. His boy holding pen and trying to help him.

      Lost or Stolen Card

      Report a lost or stolen credit card by calling 1-800-449-7728. If you’re traveling out of the country, please call collect 1-727-299-2449. 

      Report a lost or stolen ATM/debit card by calling 1-800-276-5775.

      Member support is available by telephone Monday – Friday 7 AM-9 PM and Saturday 8 AM-4 PM.

      Get Started

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