Credit Builder Visa® Credit Card

New to credit cards? This is the best place to start.

Build Your Credit Foundation

Highlighted features of product

First Impressions
Build up your credit score for the first time to set up a strong financial future.
Tap & go
Includes contactless card features like tap to pay, Google, Apple, or Samsung Pay.
Total control
Access, manage, and freeze cards with the Card Controls App.
Farewell fraud
Backed by Visa® Zero Liability Protection and 24/7 identity theft resolution services.

Take the first steps to building credit.

We all have to start somewhere and for many, your first credit card is generally where one might begin building a reputable credit score.

With the Four Points FCU Credit Builder Visa® Card and continuous healthy spending habits, anyone new to credit can go from a low-to-no score to something they can truly be proud of. By building a good financial foundation now, you open up doors to lower interest rates on mortgages, auto loans, and more down the line.

  • Created with young adults, college students, and new credit users in mind.
  • Establish a healthy credit score which in turns opens you up to better borrowing rates in the future.
  • Enjoy peace of mind with Visa's 24/7 ID theft resolution services and Zero Liability protection.
  • Go contactless with the new tap-to-pay feature, or by using GoogleApple, or Samsung Pay.

Credit card control, at your fingertips.

With the free Four Points FCU Card Controls app, you gain a whole new world of financial convenience and security.


Download Card Controls app on the Google Play store.   Download Card Controls app on the iOS store.
View Card Controls Disclosure


  • View all eligible Four Points FCU credit cards on your account(s).
  • Make a quick & easy payment towards outstanding card balances.
  • Freeze lost or stolen credit cards at a moment's notice.
  • Set up alerts to manage personal budget limits or unauthorized activity.
  • Schedule travel notifications before a vacation or road trip.

Consolidate Debt & Conquer.

Do you currently have balances on one or more high interest credit cards? Fill out our balance transfer form today and we'll add those other balances onto your Four Points FCU Visa® credit card. Use account consolidation to reduce the stress of paying over multiple cards while taking advantage of the interest rates provided by your Premier, Rewards, or Credit Builder Visa® card.

Please e-mail all completed balance transfer forms to [email protected], or feel free to use our other drop-off options as listed on the document.

Download the Visa Credit Card Balance Transfer Form


Mobile payment (Google, Apple, Samsung) not available at all merchants, locations, or countries, and devices may vary. See Credit Card Agreement & Disclosures for program terms, related fees, and account details.
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

Ready, Set, Grow!

No matter your next step, Four Points FCU can help you get there

Purchase Rewards Checking

What's better than a completely free Checking account? How about one that rewards you for using it…