VISA New Beginnings Credit Card
A credit card designed to help you build credit. While you buy the things you need, you’ll also be creating a healthy payment history, all without the burden of high fees or high interest.
- No upfront security deposit
- May improve your credit rating
- $12 Annual fee
- No transaction fee
- No cash advance fee
Who’s it for
The Visa New Beginnings is ideal for anyone starting out, starting over, or simply looking for the convenience of a Visa card. Its affordable limits and flexible payment options help build a credit score that’ll make it easier for you to get approved for a home loan, personal loan, or auto loan in the future.
How does Visa New Beginnings work
Visa New Beginnings works just like a traditional credit card, but it’s a great tool to help you begin building a positive credit history. While it has a higher APR than some other credit cards and a low annual fee, those whose credit score is less than perfect may be able to build a stronger credit profile by using this card responsibly.
How to apply
You can apply for the Visa New Beginnings by completing our online application by clicking Apply Now.
Apply NowCompare PFCU VISA Credit Cards
| Compare | Visa Platinum | VISA Classic | VISA New Beginnings |
|---|---|---|---|
| APR** on balance transfers | |||
| 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
Subject to conditions in the Visa Credit Card Agreement.
Frequently Asked Questions
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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.
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.
*APR (ANNUAL PERCENTAGE RATE). As of
Subject to conditions in the Visa Credit Card Agreement.
