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VISA® Rewards Credit Card

Get extra rewards from everyday spending

Apply Now

VISA® Rewards Card

VISA® Rewards Program

Instant Issue Cards

Verified by VISA®

Card Flex Program

Lost or Stolen Card

VISA® Rewards Card

Fixed rates as low as 9.90% APR

  • Earn 1 point for every $1 spent
  • No Annual Fee or Reward Limits
  • Competitive low fixed rates
  • No balance transfer fees
  • Unlimited Transactions
  • EMV Contactless Card technology for tap-and-go payments
  • Earns End-of-Year Member Reward Dividend
  • Zero Liability Protection for lost or stolen cards
Apply Now

VISA® Rewards Program

Earn 1 point for every $1 dollar you spend

  • Earn up to 2,000 bonus points (500 for log in & 1,500 if you spend $2,000+ in the first 30 days)
  • Easy to navigate redemption website with 1000’s of choices across different categories
  • Redeem points for gift cards, cash, fuel, entertainment, grocery, travel, products, & more!
  • Pay with points in-store at checkout at select retailers and gas stations
  • Occasional promotions that offer up to 4x more bonus points on purchases
  • No Annual Fees or Reward Limits
  • Ability to link multiple cards
  • 5-year expiration of points
  • Click the link below to visit the website
  • Call 855-975-2237 or 800-854-0790 for additional support if needed
VISA® REWARDS PROGRAM

Instant Issue Cards

All VISA® cards printed in minutes at branch locations

  • Instant availability of new, lost, or stolen cards
  • Can be printed in a variety of design styles
  • Easily change your PIN number at all branch locations

Verified by VISA®

Added protection for secure online purchases

  • Extra security layers to help prevent unauthorized online use
  • No fees for this service that goes beyond the standard fraud protection
  • Requests additional verification when an online transaction is initiated
  • May ask the member to contact us prior to authorizing the purchase if flagged as suspicious

Card Flex Program

Pre-qualified offers for limit increases & balance transfers

  • Offers will be extended to you automatically if you qualify
  • Offer for 6-month promotional 0% APR on all balance transfers if you qualify
  • Offer for credit limit increases if you qualify
  • Requires Member Exclusive Offer (MEO) code that we’ll send to you by email
ENTER CARD FLEX CODE

Report Lost or Stolen Card

Call our local contact center at 951-267-9951 during business hours

Call 800-754-4128 after hours (debit cards)

Call 800-808-7230 after hours (credit cards)

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One of my favorite things about First Californian is their low fixed rate VISA® credit cards. The lowest fixed rate available is 9.90%, which is much less than my variable rate credit cards around 19% (some are higher) that I have from other institutions. Getting reward points on top of that makes me even happier.

First Californian Member

Apply Now

VISA® Credit Card Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Fixed Rate Credit Cards1APR
VISA® Reward PointsAs low as 9.90% fixed
VISA® Cash BackAs low as 12.90% fixed
VISA® Secured9.90% fixed for all credit scores
VISA® Business Cash Back As low as 9.90% fixed

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Minimum limit is $200.00 unless part of a promotional program.

For more information visit Terms & Conditions, Current Rates, and Fee Details.

Frequently Asked Questions

Visit visarewards.amucu.org. For questions about your reward points, call us at 855-975-2237 or 800-854-0790.
Visit visarewards.amucu.org to preview the program and beginning mid-July, click on the “Register” button in the upper right corner. We will let you know when the site is accepting new registrations! Once you’re able to register, you’ll earn 500 bonus points!

 

Earn Up to 2,000 Bonus Points! 500 Bonus Points are earned when you log in to visarewards.amucu.org for the first time and 1,500 Bonus Points are earned after you spend $2,000 or more in the first 30 days. You will start to see your Bonus Points awarded to your account 60 days after you earn them.

 

VISA® cards that are worn from use and no longer work are replaced for free. To replace a lost or stolen VISA® card, it costs $5.00 the first-time and $10 for each additional replacement card. 
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Prefer to earn 1% Cash Back?

  • Earn 1% cash back on every purchase
  • Automatically pays 1% cash back every month
  • Fixed Rate as low as 12.90% APR
  • No Annual Fee and Unlimited Transactions
VISA® Cash Back Credit Card