VISA Credit Cards

Visa Credit CardWe offer a variety of VISA® Credit Cards with Low Interest Rates, No Annual Fees, No Balance Transfer Fees, No Cash Advance Fees*, and 1% Cash Back on all purchases2!

Premier Plus VISA®

  • 8.90% Annual Percentage Rate1
  • Up to $20,000 Credit Limit
  • 1% Cash Back on all purchases2

Premier VISA®

  • 9.90% Annual Percentage Rate1
  • Up to $15,000 Credit Limit
  • 1% Cash Back on all purchases2

VISA® Classic

  • 11.90% Annual Percentage Rate1
  • Up to $10,000 Credit Limit
  • 1% Cash Back on all purchases2

Secured VISA®

  • 7.90% Annual Percentage Rate1
  • Up to $10,000 Credit Limit
  • 1% Cash Back on all purchases2
  • 100% of credit limit secured by member’s Share Savings Account

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Click HERE to view current loan rates.
Click HERE to view the Cost Recovery Fee Schedule.

Apply Now

Not a member yet?
Click HERE to apply for Membership.


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Contact Information
For any inquiries related to the 1st Nor Cal Credit Union Credit Card Agreement,
call us at (888) 387-8632, or write the credit union at:

1st Nor Cal Credit Union
P.O. Box 509
Martinez, CA 94553-0144

24-Hour Lost or Stolen Cards
(800) 449-7728
(866) 820-3794

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*No fee for Cash Advance transactions completed at any 1st Nor Cal Credit Union branch location. Fee for Cash Advance transactions that take place anywhere other than at a 1st Nor Cal Credit Union branch is 3% of advance amount.

1Annual Percentage Rates (APR) are subject to change without notice. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. All loans subject to credit approval. Must be 18 or older to apply.

21% Cash Back on all purchases, up to $10 per month, when using a 1st Northern California Visa Credit Card. Excludes cash advances and balance transfers. Rebate applied monthly to Visa Credit Card account balance. Rebate cannot exceed $10 per month and/or $120 per year. Terms are subject to change without notice.

Go to our Credit Card Disclosure webpage to learn more and read important information about our credit card terms and conditions.