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Visa New Beginning

Visa New Beginnings

The Visa New Beginnings helps you build or rebuild your credit
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Visa New Beginnings

Effective Date as of 02/01/2024

Visa New Beginnings

18.00

% APR*

as low as

Apply Now Join PFCU to Apply

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 Now

Compare PFCU VISA Credit Cards

CompareVisa PlatinumVISA ClassicVISA New Beginnings
APR* fixed rate on Purchases
and Cash Advances
12.99% APR*14.99%
18.00% APR*
18.00% APR*
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 02/01/2024, the rates for new purchases and cash advances are 12.99% APR for Visa Platinum, 14.99% to 18.00% APR for Visa Classic, and 18.00% 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.

† Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. It’s our guarantee that you won’t be held responsible for unauthorized charges made with your PFCU Debit or Credit Visa card. You are covered if your card is ever lost, stolen or fraudulently used. Cardholders must use care in protecting their card and notify PFCU immediately of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.

Subject to conditions in the Visa Credit Card Agreement.

Frequently Asked Questions

If you have a higher credit score, lenders and investors will be more likely to provide lower interest rates and fees. If your credit history is good, investors will have more confidence in your ability to pay on time consistently.

Did you know you can check your own credit score for free once annually? A good credit score is essential to your financial health. Visit annualcreditreport.com to receive a free copy of your credit score.

To request a credit limit increase please fill out our credit card limit increase application, which will need the following information:

  • Identification
  • Gross monthly income
  • Employment status
  • Mortgage/Rent Expenses

No, we do not offer a credit card rewards program, but we do have several credit cards options:

  • Visa Platinum
  • Visa Classic
  • Visa New Beginning

Our credit cards have great features that make being a member at Providence Federal Credit Union worthwhile!

  • No annual fee and 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)

If your card has been lost or stolen we recommend that you block your card in Online Banking or the Mobile Banking app immediately. To do this, log in to Online Banking or your Mobile Banking app, go to “Cards” and then “Lock Card.” You can then go to “Lost Card” to order a replacement card. You can also contact us at (866) 633-7032. We will block and reissue your card.


Please review our Deposit Fee Schedule on our Rates page for our current Card Replacement Fee.

To learn more on how you can protect yourself, please visit our Security page. If you suspect your accounts have been compromised, Contact Us right away!

To dispute a credit card transaction please contact our fraud line at 888-918-7313.


You may need to dispute a credit card transaction if:

  • Someone else used your card without permission.
  • There was a billing error.
  • You’ve tried to resolve a problem with the merchant.

The customer service makes me want to transfer all of my banking here. 

Gabrielle K. | Member SINCE 2023
Gabrielle K.

Need more information?

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

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