All MIDFLORIDA branches and Help Desk will be closed on November 11 in observance of Veterans Day.

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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.
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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. 

Instant-Issue Cards

Need a card now? Walk into any branch to apply and walk out with a new card today.

No Credit or Low Credit History

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

LifeLock ID Navigator

Help protect your identity and prevent fraud with proactive monitoring and alerts.
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.

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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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 other Products & services

Explore More Banking Options

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

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Mobile Wallet

Add to Wallet from the mobile app

Tap to pay using your phone when you add your card to Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay or Garmin Pay. 
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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. 
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Account Services

Fraud Alert

Set up fraud alerts to help keep your hard-earned money safe.
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Visa Platinum

Our lowest rate card with no annual fee and an introductory balance transfer offer. This is the perfect option if you carry a balance.
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First Time Visa FAQs

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.

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.

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. 
Membership and eligibility requirements apply.

Still Have Questions?

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