Visa Credit Card

Valley 1st Community Visa Credit Cards can be used at thousands of merchant locations around the world for purchases and cash advances.

  • No annual fee

  • As low as 8.99%

  • No balance transfer fee

  • Up to 15k credit limit

  • Reward points earned

  • If lost or stolen card, please call 1 (800) 325-3678

  • Debt Protection offered

Ten Tips To Get Your Best Deal:

  1. Understand the card’s true APR. This is one of the largest factors in what you pay for your card: the lower your rate, the less interest you will pay.

  2. Dig deep before accepting a low-rate offer. For example, “0%” credit card offers may not be your best deal — and the interest-free period is for a limited time only. Before accepting an offer, find out the length of the introductory period. Also, what APR will you pay after the intro period?

  3. Find out how an APR may fluctuate. To keep a preferred APR offer, most likely, you CANNOT miss even a single payment. Most cards will lose their promotional rate with just one late payment and convert to a much higher APR.

  4. Avoid department store cards. It’s easy to get enticed at the point of sale for a discount on your purchase. However, these cards almost always feature a high APR, which is expensive if you carry a balance.

  5. Compare all fees associated with the card. These may include an annual fee, balance transfer fee, and late payment fee. Fees can add substantially to your cost.

  6. Review special APRs on purchases. Avoid cards that charge “deferred interest,” which means that, after the intro period, you’re responsible for the full amount of interest for the entire balance from the beginning of the promotional period.

  7. Take advantage of perks and rewards. You can often earn points for merchandise and travel. You may get cash-back, points, and miles, depending on the type of card you use. If you tend to use your card frequently, rewards are a nice perk.

  8. Implement security features. Alerts will help you to monitor transactions and catch fraud before it has a chance to hurt your credit. Card controls let you turn your card off and on based on your shopping habits.

  9. Don’t max out your card. This impacts your “utilization ratio” on your credit report and hurts your credit score.

  10. Find a great card and stick with it. Avoid using multiple credit cards. It is challenging to stay disciplined when using more than one card, and managing numerous payments is challenging.

Bottom line? Be sure to read the fine print. And if an offer sounds too good to be true, it probably is!