Credit Cards
Card Options for Everyday Life
Having the right credit card just makes life easier. We offer two Firstmark ONE® VISA® Credit Cards with great rates and rewards to help you live your best life. And with Digital Wallet, you can shop with ease and convenience.
Firstmark ONE® VISA® Platinum
Benefits & Features
- 5.99% APR1 Intro Purchase Rate
- 0% APR2 Introductory Balance Transfer rate for 12 months, completed in the first 90 days
- Rates as low as 13.00% APR3
- No Annual Fee
- No Cash Advance Fees
- $1M Travel Accident Insurance
Firstmark ONE® VISA® Platinum Rewards
Benefits & Features
- 5.99% APR1 Intro Purchase Rate
- 0% APR2 Introductory Balance Transfer Rate for 12 months, completed in the first 90 days
- Rates as low as 15.00% APR3
- No Annual Fee
- No Cash Advance Fees
- $1M Travel Accident Insurance
Rewards
- Rewards Offer: 1 point per dollar spent on new purchases
- 3X reward points for first 6 months for every dollar spent on new purchases (gas, groceries, and travel)
- Convert Rewards to travel, merchandise or cash (cash reward = 1%)
Keep Your Information Safe with Digital Wallet
Digital Wallet give you payment solutions that are fast and easy. Pay for purchases in-store from your mobile device, tablet, or smartwatch.
How It Works
- You card number is never stored, transferred, or shared with the merchant
- A one-time unique transaction code is used for each purchase
- Identity confirmation required for each transaction
Set-up your Digital Wallet today!
Existing Firstmark cardholders: contactless cards will be available upon card renewal. If you want to renew your card earlier, a contactless card will be issued upon your request.
Manage Your Cards with the Firstmark Mobile App
Download the Firstmark Mobile App to manage your credit cards with just a few clicks. Log in and select your Firstmark credit card to:
- Make a Payment
- Set up a Balance Transfer
- Set a Travel Notice
- Report a Card Lost/Stolen
Banking made easy from anywhere you are!
Step 1
Step 2
Credit Card Alerts
Protecting your personal and financial information is our top priority. Our courtesy credit card alerts help keep your personal information safe and may protect you from fraud.
Enroll your card to instantly begin receiving alerts notifying you when transactions are made to your account.
- Receive alerts when international purchases are made
- Receive alerts when a transaction is declined
- Receive alerts when online or phone purchases are made without the physical card
- Receive alerts when large transactions are made
For members who elect to receive alerts via text message, standard text message and data rates apply. Please check with your mobile carrier to ensure that you own an SMS capable mobile handset that is registered on a carrier network and elected for a data plan that includes use of the mobile handset’s SMS capabilities.
Log in to Digital Banking to sign up for card alerts.
| Which Card Is Right For Me? | Firstmark ONE® Visa® Platinum | Firstmark ONE® Visa® Platinum Rewards |
|---|---|---|
| What is most important to you in selecting a card? | Lowest Rate | Low Rate With Rewards or Cash Back Option |
| How would you describe your credit card usage? | Occasional I only use it when cash is not available |
Moderate I use it when it’s convenient and on larger purchases |
| Do you carry a balance on your card? | Often I want to minimize the interest that I am charged |
Sometimes During certain times of the year |
| On average, how much do you charge on your credit card per month? | $50 – $500 | $250 – $1,000 |
Minimum 610 FICO score required to qualify for an unsecured credit card and subject to final credit approval. Firstmark uses Equifax/FICO Auto V8 Facta which may render a different credit score from other credit reporting agencies. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Qualifying criteria may be subject to change. Firstmark uses Equifax/FICO Auto V8 Facta which may render a different credit score from other credit reporting agencies. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Qualifying criteria may be subject to change.
Annual Percentage Rate. There is a 5.99% APR on all purchases from account opening for 180 days (or 6 months).
Introductory balance transfer rate of 0% APR for 12 months following the date of account opening. There is a 3% balance transfer fee (Finance Charge) on all balance transfer amounts that will be posted to your account within the next billing cycle. After the introductory period ends, an APR of 13.00 - 18.00% will be applied to the balance transfer balance of your account, based on your creditworthiness. New card members only. All balance transfers must originate from non-Firstmark credit card issuers within 90 days of opening date. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. To avoid interest on new purchases after you transfer a balance, you must pay all balances on your account in full by the first payment due date, including any balances you transfer under this offer. Promotion terms may change from time to time by Firstmark Credit Union.
APR is Annual Percentage Rate. Accurate as of 10/7/2024, and is subject to change without notice. APR is variable and your specific APR will range between 13.00% and 18.00% on Platinum card, 15.00% and 18.00% on Platinum Rewards card and 16.50% and 18.00% on Signature card depending on your creditworthiness. Penalty APR: 18.00%. Foreign Transaction Fee: Up to 1.00% of all international transaction amounts. All usual credit criteria apply. Other restrictions may apply. Credit union membership is required to obtain a credit union loan. APR based on Wall Street Journal prime rate plus a margin.
Reach Out
Let’s Get Started
- Login or Enroll into Online Banking
- In the App, click “More” in the menu bar
- On desktop, click the three dots in the upper right hand corner
- Click “Skip-A-Pay” to start your skip
Log into Online Banking
Need to Enroll in Online Banking
To make this process as quick as possible, please have the following ready:
- Social Security Number
- Member Number
- Choose a Username
- Have a Strong Password
Not signed up for online banking?
No problem, click here.
Let’s Get Started
Log into Online Banking
Need to Enroll in Online Banking
To make this process as quick as possible, please have the following ready:
- Social Security Number
- Member Number
- Choose a Username
- Have a Strong Password
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiaries:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
Choose one of the following:
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Initial Deposit Amount (ACH or Credit Card)
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Initial Deposit Amount (ACH or Credit Card)
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Credit Limit
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
- Estimated Property Value
- Estimated Property Tax and Insurance Amount
- Existing Mortgage Information
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
- Estimated Property Value
- Estimated Property Tax and Insurance Amount
- Existing Mortgage Information
Choose one of the following: