Credit Cards

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Make it Happen.

Whether you want to explore the world or build your credit, make it happen with a Valley First credit card.

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Points Rewards Credit Card

As a new cardholder, earn 10,000 bonus points when you make $2,500 in purchases in your first 90 days!1
 
Earn an additional 500 bonus points by adding your new credit card number to your mobile wallet and making your first mobile wallet purchase.2
 
Earn one point for every net dollar you spend—redeem for merchandise or a wide variety of gift cards.3
 
Standard APR4 Annual Fee
9.24% - 19.24%
(Variable)
$0

 

 
 
 
 
Features

Disclosures 

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Cash Back Credit Card image

Cash Back Credit Card

Earn 1% cash back for every net $1 you spend.
 
Standard APR4 Annual Fee
9.24% - 19.24%
(Variable)
$0

 

 
 
 
 
Features

Disclosures 

Apply Now

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Business Cash Back Credit Card image

Business Cash Back Credit Card

0% introductory APR for 12 months on purchases!
 
Earn 1.5% cash back for every net $1 you spend.
 
Standard APR4 Annual Fee
14.24% - 20.24%
(Variable)
$0

 

 
 
 
 
Features

 Disclosures 

Apply Now

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1To earn 10,000 bonus points you must spend $2,500 in the first 90 days of your card being approved by us. Spend is net of settled purchases and returns processed within this timeframe. Reward will be awarded on the transaction that exceeds $2,500. Rewards are not earned for wire transfers, money orders, cash advances, balance transfers, government owned lotteries, online casinos, horse/dog racing, or payments for loans.
2To earn 500 bonus points you must add your new Valley First Credit Union credit card to your mobile wallet and make at least one transaction greater than $0. Rewards are not earned for wire transfers, money orders, cash advances, balance transfers, government owned lotteries, online casinos, horse/dog racing, or payments for loans.
3See cardholder agreement, section 14, for full details.
4APR=Annual Percentage Rate. APR may vary and ranges from 9.24% to 20.24% and is accurate as of 5/2/22.  Your APR is determined by program selected and credit history. All loans subject to credit approval. Rates, terms and conditions subject to change.
5Our guarantee that you won't be held responsible for unauthorized charges made with your account of account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Visa's Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions, or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately or any unauthorized use. Contact the number on the back of your card for more information.