VISA® platinum credit builder credit card

A credit builder credit card from Service 1st is a great way for young adults to establish credit and practice managing credit in a safe and affordable program. Plus, a VISA® credit card is always a convenient and affordable way to make shopping, entertainment and travel purchases. Discover the true rewards of a low-rate card with no hidden fees or service charges!

When you use our VISA® platinum credit builder credit card, you’ll enjoy:

  • maximum credit line of $100
  • parent/guardian must cosign
  • APR (Annual Percentage Rate) based on parent/guardian credit score
  • 25-day grace period on purchases
  • no annual fee
  • no hidden charges
  • low minimum payment
  • convenience of cash advances through ATMs worldwide
  • emergency card replacement
  • balance transfer opportunity (transfer balances from high-interest cards to our low-interest card)
  • earn ScoreCard bonus points for every net VISA® credit card dollar spent

When the credit builder credit card has served it's purpose and a youth member has demonstrated they can make regular and timely payments, maintain steady employment, and meet Service 1st's normal age and credit criteria, they may be eligible for an increase to their line as well as the ability to manage their VISA® platinum credit card on their own.

VISA® platinum credit card disclosures
lost or stolen card?

also see: ScoreCard rewards; youth personal loansService1st@Home; online tools


Service 1st Federal Credit Union, 1985 Montour Blvd., PO BOX 159, Danville, PA 17821. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.

Service 1st Federal Credit Union routing number: 231387602.

*APR denotes Annual Percentage Rate and APY denotes Annual Percentage Yield. Click here or call us at 800.562.6049 for more information regarding current rates, terms and conditions. All Credit Union loan and deposit programs, rates, terms and conditions are subject to change at any time without notice.

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