Platinum ScoreCard Visa®

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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 Platinum ScoreCard Visa!2

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Enjoy these convenient features & benefits:

No Annual Fee1

Low Variable Interest Rate

No Balance
Transfer Fee

25-Day Grace Period
for Interest on Purchases

ScoreCard Bonus Points
or CashBack


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As low as
8.99 % APR1

Bonus Points or CashBack?

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The Choice is Yours! You can earn Bonus Points for every net dollar you spend on all qualifying purchases and redeem them on over 1,000 rewards such as electronics, domestic or international flights and hotels worldwide.

If you’d rather put money back into your pocket, CashBack is for you. Earn a 1% CashBack annual reward on all qualifying purchases such as paying bills, buying groceries, pumping gas and online purchases, no matter how big or small.

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Applying for a Loan is Easy


Our online loan application is easy, secure and available 24/7.

Apply Now

In Branch

Visit any of our 8 locations during
business hours.

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Protect Yourself and Your Money

vAlerts powered by Visa

Closely monitor your Visa Credit and/or Debit Card with vAlerts powered by Visa.
Receive email or SMS text message notifications when certain transactions occur
on your account.*

Create a Visa Alert Account and set up your vAlerts powered by Visa.

Enroll Today

*Usage charges for text and data may apply.

Chip Technology

Chip technology on your Visa Credit and/or Debit Card reduces the risk of fraudulent charges by creating a unique code for each purchase you make at a chip-enabled terminal.

CardCentives Privilege

Enjoy valuable services and benefits for being a cardholder:

  • 90-Day Product Protection
  • 24/7 Identity Theft Victim Assistance
  • Full-Service Travel Reservations
  • Payment Card Registration
  • Personal Shopper

Visa Support

Assistance is available to you 24/7.

For general inquiries:

(800) 477-0227

To report your card lost or stolen:

(800) 991-4964

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Loan Protection Gives You Peace of Mind

Valley First loan protection products are designed to help you overcome any hardships that may come your way.

Debt Protection

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with
Debt Protection.3

Ask to add Debt Protection at any
Valley First branch.

TruStage Insurance

You may be able to save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.3

Learn More

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To get an Platinum ScoreCard Visa, you must be a member of the credit union.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1APR = Annual Percentage Rate. APR may vary and ranges from 8.99% to 18.99% and is accurate as of 4/20/21. Your APR is determined by program selected and credit history. All loans subject to credit approval. Rates, terms and conditions subject to change.
2Refer to the Visa Credit Card Agreement for complete details. Visa Disclosure
3The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. Debt Protection coverage is administered by CUNA Mutual Group. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. These products are not insured by the National Credit Union Administration.