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Last updated on March 11th, 2021
Firefly Visa Signature Card
Earn 3x Points on Gas & Groceries
- Regular Purchase APR 9.9% to 15.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 9.9% to 15.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 9.9% to 15.24% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- No foreign transaction fees
- Earn 3x points on gas and groceries for the first 6 months
- Access to the Visa Signature Luxury Hotel Collection
- Regular Purchase APR: 9.9% to 15.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.9% to 15.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 9.9% to 15.24% variable based on creditworthiness and the Prime Rate
- Penalty APR: 18%
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
At a Glance
The Firefly Visa Signature is a no-nonsense rewards credit card from Firefly Credit Union. The card earns 1.5 points for every dollar spent on purchases, with points redeemable for travel, cash back, gift cards, and more. New account holders also benefit from a special earning rate of 3 points for every dollar spent for the first six months, as well as a bonus 1,000 points for the first use of the card. The Firefly Visa Signature also features a competitive APR for purchases, cash advances, and balance transfers, as well as no annual fees and no maintained fees.
Ideal for Those Who:
- Already bank with Firefly Credit Union or are based in Minnesota
- Don’t want to pay an annual fee
- Want a competitive APR
- Want to earn rewards for every purchase
Firefly Visa Signature Card Review
The Firefly Visa Signature is a reliable rewards card from Minnesota-based Firefly Credit Union. Cardholders earn triple points (3 points for every dollar spent) on purchases for the first 6 months, followed by 1.5 points for every dollar spent after that. New Firefly Visa Signature cardholders also get an instant 1,000 bonus points when they first use their card to make a purchase – a nice, little perk. Points earned through the Scorecard Rewards program are redeemable for gift cards, cash back, merchandise from top retailers, or even travel or vacation packages.
The Firefly Visa Signature also offers members the perks and benefits commonly found with a Visa Signature card. Holders can expect 24/7 concierge service, aiding in booking travel, purchasing event tickets, or making reservations for dinner and zero liability for fraudulent activities on the card. The Firefly Visa Signature also features EMV chip technology, adding a layer of security, as well as providing near-global card acceptance.
Like other credit union cards, the Firefly Visa Signature offers an excellent, highly competitive APR for purchases, cash advances, and balance transfers. Typical interest rates for those with excellent credit are around 13%, though this rate may vary depending upon the Prime Rate and the applicant’s creditworthiness. The card also benefits from no annual fees, no maintenance fees, and no fees on balance transfers or cash advances. Overall, the Firefly Visa Signature offers significant savings for holders, with members on average saving close to $150 per year when compared to similarly positioned cards offered by larger lenders.
Should You Apply for the Firefly Visa Signature Card?
The Firefly Visa Signature may not be the most exciting rewards credit card on the market, and it may be from a small lender, but for those in the Twin Cities and the surrounding area, this may be a credit card they should consider before automatically going with something from a big lender – especially if they want low rates and no hidden fees.