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

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** 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.

Subject to conditions in the Visa Credit Card Agreement.

Frequently Asked Questions

PFCU was easy to work with in a timely matter, friendly and efficient! Hope to do business again in the future.

Gretchen R. | Member SINCE 2015
Gretchen R.

Need more information?

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

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