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With increased purchasing power comes increased reward-earning potential. Earn one point for every dollar spent using your card, redeemable for merchandise, gift cards, and more.

  • Easily make purchases online or in-store, virtually everywhere around the globe
  • No annual fee
  • No balance transfer fee
  • Rack up rewards points with every usage:
    • Earn points for every dollar spent
    • Earn 250 Bonus Points with your first transaction
    • Earn 500 Bonus Points once you have spent $10,000
    • Redeem points for merchandise, gift cards, travel, cash back, and so much more
    • Manage and redeem points online
  • VISA's Zero Liability Policy1 to protect you from unauthorized use of your account
  • 24/7 Fraud Protection & real-time fraud monitoring
  • eAlerts – receive text or email alerts to monitor your activity, help manage spending, and be instantly notified of possible fraud
  • VISA Click to Pay – sign up for this easy and secure way to pay for your purchases online
  • Travel and Emergency Assistance Service – receive assistance for your travel emergencies, such as:
    • Record and relay emergency messages for travelers or family members
    • Medical and legal referrals to direct you to an English-speaking doctor, hospital, or lawyer
    • Translation assistance
    • Emergency ticket replacement
    • Lost luggage locator service
    • Pre-trip planning assistance, such as information on ATM locations, required immunizations, or currency exchange rates
  • Travel Accident Insurance – be automatically protected with Accidental Death & Dismemberment coverage for you and your dependents when you use your VISA Signature Rewards card to book your travel
  • Auto Rental Collision Damage Waiver – receive coverage for collision damage or theft on rental vehicles when paid with the VISA Signature Rewards card.
  • Extended Warranty Protection
  • Lost Luggage Reimbursement – when using your VISA Signature Rewards card to pay for the cost of Common Carrier tickets, you may be eligible for up to $3,000.00 in lost luggage reimbursement costs
  • Securely manage and view credit card activity 24/7 via Online Banking

For more information on our VISA benefits, click here.

1VISA®’s Zero Liability Policy covers US-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify First Capital FCU immediately of any unauthorized use.

View our disclosure.

View our Guide to Benefits for Visa Signature Rewards.