Rewards Credit Card | WI and IL Cash Back Rewards

1% cash back on eligible transactions

0% APR* on purchases for the first 6 months

5.99% APR* for balance transfers and cash advances for 1 year

Turn everyday purchases into cash-back opportunities

Think about all the times you use your credit card. Now consider the reality that your purchases can earn you cash back every time. It's possible with the FirstCCU Rewards Credit Card. You'll also be able to save money on purchases in the first six months and possibly benefit by transferring your debt from higher-interest credit cards to pay it off quicker.

No annual fee
Manage your account, view pending transactions, make payments and view your payment history through Online Banking and the FirstCCU Mobile App
Control the use of your card by enabling and disabling it through the FirstCCU Mobile App

Save on interest

Compare the rate on our FirstCCU Rewards Credit Card to the rate on your other credit card. That's a quick way to see if you'll save money with a balance transfer.

Tips for getting the most out of your credit card

Pay your balance on time each month to avoid late fees.

Save your cash back rewards for holiday spending or even towards a vacation.

Use a credit card like a debit card. Only make purchases that you can fully cover with cash in your bank account.

Track purchases and easily make payments through online banking.

All those great ideas? Make them happen.

Tap into the equity you've built to make almost anything happen.

Home Equity Loans

First Community Credit Union is a member-owned financial co-op serving nine full-service branch locations in Beloit, Janesville, and Monroe, Wisconsin and Freeport, Rockford, Belvidere, and Roscoe, Illinois.

FirstCCU has been here for over 90 years, we're still local and always member-owned.

*The introductory APR for purchases is 0% APR and will apply for a period of 6 billing cycles from account opening. The introductory APR will apply to transactions posted to your account during the first 6 months following the opening of the account. After that, your rate will go to the rate of 9.99% – 19.9% APR, based on your creditworthiness. Current FirstCCU credit card balances are not eligible for the balance transfer introductory rate. Your actual APR rate is based on, but not limited to, creditworthiness factors, current market conditions and other factors that the credit union in its discretion believes are relevant in determining the appropriate APR. See your member service representative for further details.

Review Application and Solicitation Disclosure
Review Consumer Credit Card Agreement