Credit Card

Earn rewards with every purchase

Low interest rates

Meet your new best friend. 

You've struck the mother lode with the Education First totalREWARDS Visa® Credit Card. Not only will you enjoy super low rates, but you'll also earn rewards on every purchase. Every. Single. Time.

It just takes one card to have a winning hand.

Education First totalREWARDS Visa® credit card is your convenient answer to making purchases and paying recurring charges. Add it to your mobile wallet for on-the-go convenience, and watch those rewards stack up fast.  

totalREWARDS Visa® Card Features

Do you want to buy something big, but are concerned about the interest charges? Our interest-free grace period can save you money and worry.
  • No annual fees
  • Interest rates much lower than most other credit cards
  • The totalRewards allows you to earn points that are redeemable for event tickets, merchandise, travel and more.
  • Obtain cards in just minutes at all Education First's convenient locations
Apply Now!

Now for a limited time, earn 2X rewards on all purchases with totalREWARDS!

Dad playing with baby while mom sits on couch looking on computer

You don't have to do a thing! Earn 2X points through the end of the year on every purchase made with your Education First VISA.


Protect Your Credit

Let us know if you're traveling overseas or have misplaced your credit card.
  • If you plan to travel internationally or make an international purchase, stop by a branch or call us at (409) 898-3770 to have the international restriction lifted.
  • To report a lost or stolen card, immediately call Education First at (409) 898-3770 or Visa® at (800) 847-2911 (toll-free). If you're outside the U.S., call collect at (410) 581-9994