Turn Everyday Spending Into Something Bigger

Whether you’re filling your gas tank, grabbing coffee, or shopping for your family, your Valley 1st Visa ScoreCard Credit Card helps you get more from what you already spend.

Apply now for a valley 1st credit card

Our Favorite Features

 

Why Our Members Love Their Valley 1st Credit Card

💳Rewards

💰Cash Back

⬇️Low Rates

🔒Safe & Secure

💳Rewards 💰Cash Back ⬇️Low Rates 🔒Safe & Secure


Benefits That Actually Benefit

✅ Earn points on purchases

✅ Competitive rates as low as 8.99%*

✅ Build or strengthen your credit

✅ Fraud protection & account alerts

✅ Local support when you need it

It’s Easy To Get Rewarded💳

  1. Use your card! Everyday purchases earn you points.
    $1 = 1 Point

  2. Snag bonus points when you shop at featured stores!
    Example: Earn 4 points for every $1 spent at Store X.

  3. Earn points automatically. There is no need to opt in with the Visa ScoreCard. Simply tap or swipe and your points will be there!

  4. Enjoy the benefits. You can use your points on discounts for gas, coupons for shopping, travel, flights or items like electronics, kitchen appliances and more!

Why Choose Our Valley 1st Visa Credit Card?

Along with the multitude of benefits, there are a lot of advantages of having a Valley 1st Visa Credit Card. With our credit card you’ll enjoy:

🚫No Annual Fee
Enjoy all the perks without the extra cost. No annual fee means more of your money stays where it belongs.


⬇️Low Rates - As low as 8.99%*
With rates as low as 10% below the average popular credit card, you can keep more money in your pocket with competitive rates designed to save you money overtime.


🚫No Balance Transfer Fee
Move your balance with ease. No transfer fee means you have a clean slate to save more and spend smartly.


📱Contactless Payments & Digital Wallet Ready
Tap, pay and go! Your card works wherever you do with fast easy payments right in your hands (or phone).


🔐Secure & Protected
Spend with confidence knowing your card is backed by advanced security and fraud protection every step of the way.

Questions? Contact us here!
Apply Now For A Valley 1st Credit Card

  • How do rewards work?
    Every time you use your Valley 1st credit card for eligible purchases, you earn rewards like cash back or points. Rewards accumulate over time and can be redeemed based on your card’s program options.

    What can I redeem my rewards for?
    Points may be redeemed for redeem to erase, gas and store discounts, gift cards, travel, or other perks.

    Is there an annual fee?
    No—this card comes with no annual fee, so you can enjoy the benefits without an extra yearly cost.

    *What interest rate will I receive?
    Your rate will be based on your creditworthiness at the time of approval. Rates start as low as 8.99% and may vary based on market conditions and other factors.

    How do balance transfers work?
    You can transfer balances from other cards to your Valley 1st credit card. This helps you consolidate debt and with no balance transfer fee, you start saving immediately.

    Will this card help build my credit?
    Yes! Responsible use, like making on-time payments and keeping balances low, can help strengthen your credit over time.

    Where can I use my card?
    Your credit card can be used anywhere major credit cards are accepted, whether in-store, online, or through digital wallets.

    How do I avoid paying interest?
    If you pay your full balance by the due date each month, you can avoid interest charges on purchases.

    Is my card secure?
    Yes, your card includes fraud monitoring and security protections to help keep your transactions safe.

    For More Information Please Visit Scorecardrewards.com or review their ScoreCard Rewards FAQ here:
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    • APR: Annual Percentage Rate (APR) for purchases, balance transfers, and cash advances will vary based on creditworthiness at the time of account opening and may change with the market based on the Prime Rate.

    • Rates: Advertised rates, including “as low as 8.99%,” are available to qualified applicants and not all applicants will qualify for the lowest rate.

    • Fees:

      • No annual fee applies to this card.

      • No balance transfer fee applies (conditions may vary by promotion).

      • Other fees (such as late payment or cash advance fees) may apply.

    • Interest Charges: Interest will be charged on balances carried beyond the due date. Interest on cash advances and balance transfers may begin accruing from the transaction date.

    • Rewards Program:
      Rewards are earned on eligible purchases as defined in the cardholder agreement. Certain transactions (such as cash advances, balance transfers, or fees) may not qualify for rewards.

    • Credit Approval:
      All loans and credit cards are subject to approval. Terms, conditions, and credit limits may vary based on creditworthiness and other factors.

    • Terms & Conditions:
      Additional terms, conditions, and restrictions apply. Please refer to the full credit card agreement and disclosures for complete details.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 8.99% to 15.50% based on your creditworthiness
APR for Balance Transfers 8.99% to 15.50% based on your creditworthiness
APR For Cash Advances 8.99% to 15.50% based on your creditworthiness
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close ofeach billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Transaction Fees
  • Foreign Transaction Fee
 None
Penalty Fees
  • Late Payment Fee
  • Returned Payment Fee
 Up to $20.00
Up to $20.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about the costs of the card described in this application is accurate as of: June 08, 2023.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any indicidual or join account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contact at 1-800-342-3736 or www.dfs.ny.gov.

Other Fees & Disclosures:
Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$10.00

PIN Replacement Fee:
$2.00