Visa Classic

Visa Classic

Our Visa Classic is a great low-rate card for everyday use
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Visa Classic

Effective Date as of

Visa Classic Credit Card

Enjoy a Low Rate with No Annual Fee

  • No annual fee
  • 4.99% APR** balance transfer
  • $0 balance transfer fee
  • $0 cash advance fees
  • Verified by Visa® Internet Authentication Service

Additional PFCU Visa benefits

We created a credit card you can count on for dependable member-friendly and other benefits. Some of the extra perks that come with a PFCU credit card:

0% Liability

You’re protected if your card is lost, stolen or used fraudulently

Fraud Protection

Offline or online, you’re protected by 24/7 fraud monitoring.

Travel Insurance

travel and accident insurance brings peace of mind to your itinerary.

Quick Replacement

Emergency cash and card replacement no matter where you are.


Contactless credit cards for quick and clean transactions.

Used Worldwide

Unsurpassed acceptance everywhere around the world.

Ditch High-interest Debt

Transfer high-interest credit card balances to our stress-free 4.99% APR** balance transfer rate. It’s not an introductory rate, it’s for the life of your transferred balance!

Transfer a Balance

Compare PFCU VISA Credit Cards

CompareVisa PlatinumVISA ClassicVISA New Beginnings
APR** on balance transfers APR** APR**
APR* fixed rate on Purchases
and Cash Advances
Annual fee$0$0$12
No cash advance fees
Internet Authentication Service
(Verified by Visa®)
Fraud protection – provides
24/7 fraud monitoring
$500,000 Travel and
Accident Insurance
Emergency Cash and
Card Replacement
Zero Liability†
Free balance transfers
up to your credit limit
Visa Global Customer
Assistance Services (GCAS)
Contactless Credit Cards

*APR (ANNUAL PERCENTAGE RATE). As of , the rates for new purchases and cash advances are APR for Visa Platinum,  to  APR for Visa Classic, and APR for New Beginnings. All loans subject to credit approval. Rates are subject to change without notice and vary based on type of card and credit worthiness.

**The APR is a fixed rate and does not apply to future purchases or cash advances. This APR rate may not be used to pay existing PFCU loans or PFCU credit card accounts. All APR balance transfers will be classified as “purchases” under our Visa Card Agreement. Transfer cannot exceed your PFCU Credit Card available credit limit.

Subject to conditions in the Visa Credit Card Agreement.

Frequently Asked Questions

I have been with PFCU for over 20 years and am very pleased and have been for my entire tenure.

Mitchell J. | Member SINCE 1990
Mitchell J.

Need more information?

Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.

Bright Ideas

Having trouble getting a credit card? Apply for our Visa New Beginnings credit card. The card to help you rebuild and reboot.

Learn More

Financial Health Check

Looking for freedom from debt and money worries? You’re in the right neighborhood. We’ll help you create a realistic budget, build achievable goals, and reduce high-interest debt.

Learn More