Credit Cards

Everyone has different needs and different spending habits. That’s why Four Points Federal Credit Union provides three distinct credit card options for our members. From our first-time credit builders to our savvy low-interest-rate shoppers to members who simply enjoy receiving cashback rewards from their daily purchases, you’ll find the right card for your needs.

Get our best rates

The Four Points Federal Credit Union Premier Visa® Credit Card delivers the lowest rates we offer and is perfect for anyone looking to avoid the 20%+ interest rates commonly found in credit cards. Spend less on credit card fees and interest, and more on what actually makes you happy.

• The best interest rates available on any Four Points FCU Visa® credit card.
• Make big purchases without the worry of the extremely high interest rates of in-store credit programs.
• Enjoy peace of mind with Visa’s 24/7 ID theft resolution services and Zero Liability protection.
• Go contactless with the new tap-to-pay feature, or by using Google, Apple, or Samsung Pay.

Earn points to redeem for gift cards, travel, cash back and more.

Earn 1.5 points per dollar spent on your credit card, plus receive extra on your birthday or through participating merchant specials.

Pay yourself back with the Four Points Federal Credit Union Rewards Visa® Credit Card. Earn points on every dollar spent and redeem them for great rewards like gift cards, travel vouchers, and even cashback. The best part is you choose when you redeem and what for, with the flexible uChoose Rewards program.

• Receive 1.5 points per dollar spent on your credit card, with chances of earning bonus points on your birthday, through promotional events, from participating merchant specials, and more.
• Redeem points at your convenience within the uChoose Rewards program.
• Enjoy peace of mind with Visa’s 24/7 ID theft resolution services and Zero Liability protection.
• Go contactless with the new tap-to-pay feature, or by using Google, Apple, or Samsung Pay.

Build Your Credit Foundation

We all have to start somewhere. For many, your first credit card is generally where one might begin building a reputable credit score.

With the Four Points FCU Credit Builder Visa® Card and continuous healthy spending habits, anyone new to credit can go from a low-to-no score to something they can truly be proud of. By building a good financial foundation now, you open up doors to lower interest rates on mortgages, auto loans, and more down the line.

• Created with young adults, college students, and new credit users in mind.
• Establish a healthy credit score which in turn opens you up to better borrowing rates in the future.
• Enjoy peace of mind with Visa’s 24/7 ID theft resolution services and Zero Liability protection.
• Go contactless with the new tap-to-pay feature, or by using Google, Apple, or Samsung Pay.