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All MIDFLORIDA branches and Help Desk will be closed on June 19 in observance of Juneteenth.

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NOW OPEN: Our new Fort Myers branch is now open!

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First time visa card

Getting your first card

We understand that you may be all grown up and ready to take on the world. Doing so takes money and good financial habits. This is the perfect card option to jump start into adulting and managing your financial independence.

Exciting changes are coming. Our credit cards are transitioning to Mastercard with more benefits ahead. To prepare for the launch, new credit card applications are temporarily paused and will reopen July 1.

Become a responsible card user

First Time Visa

 Your credit history plays a big role when it comes to lending decisions. To help you become a creditworthy consumer, we designed this Visa card to help you learn the ins and outs of credit limits, paying your monthly bill on time, and making good financial decisions. 

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Card Controls

Turn your card on or off in the app and set controls for spending and purchases.
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No Credit or Low Credit History

Your credit history is important. We can help you build or rebuild yours.
first time visa

Create Good Habits

With your first credit card comes the opportunity to build your credit score and create good spending habits. Credit cards can be powerful tools when used wisely.

personalized support

Expert Guidance Every Step of the Way

Our experienced team takes the time to thoroughly assess your needs, ensuring you receive a loan solution perfectly tailored to you with support from beginning to end. Call (863) 284-5626 or toll free (855) 560-5626.
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Explore More Banking Options

New to budgeting and managing your money? We offer a range of services to meet all of your financial needs.

Contactless Payments

Add Your Card to Your Mobile Wallet

Tap to pay using your phone when you add your card to Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay or Garmin Pay. 
Mobile Wallet
Free Text Alerts

Stay on Top of Your Spending

Get real-time text messages with our account alerts to notify you of activity on your account. 
Text Alerts
Account Services

Fraud Alert

Set up fraud alerts to help keep your hard-earned money safe.
Account Alerts

Visa Platinum

Our lowest rate card with no annual fee1 and an introductory balance transfer offer. This is the perfect option if you carry a balance.
Explore Visa Platinum

First Time Visa FAQs

You'll need to submit an application to get started. Once approved, you'll receive a card in the mail, or you can choose to pick up your card at a branch. You can apply online, at a branch, or by calling our loan department at (863) 284-5626 or toll-free (855) 560-5626.

You'll need some basic details like your Social Security number, income, employment information and contact info.

Credit limits vary based on income and financial history. For first-time cardholders, limits are typically modest to help you build credit responsibly.

Paying off credit card debt is not an easy undertaking. Use our Credit Card Payoff Calculator to see how long it will take to say goodbye to this debt. 

Missing a payment can lead to late fees and impact your credit score. Setting up automatic payments or reminders can help you stay on track.

To report a lost or stolen credit card, please call (866) 820-3935, available 24 hours a day, 7 days a week.

If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate. In addition, a $10.00 fee will also be added and will accrue interest at the same rates.

To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.
Membership and eligibility requirements apply.

Still Have Questions?

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