Simple credit card options to fit your style and spending plan.

With a VISA Credit Card from PCU, you get some of the best rates in the industry, plus no annual or balance transfer fees². You'll love how much you save.

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CREDIT CARD RATES

CARD TYPE

APR¹ (as low as)

CASH ADVANCE FEE

CARD TYPE

VISA Clear

APR¹ (as low as)

Fixed 9.95%

CASH ADVANCE FEE

None

CARD TYPE

VISA Classic

APR¹ (as low as)

Variable 11.15% - 17.90%

CASH ADVANCE FEE

3% of Amount Advanced

CARD TYPE

VISA Signature Rewards

APR¹ (as low as)

Variable 12.15% - 15.90%

CASH ADVANCE FEE

3% of Amount Advanced

[1] APR=Annual Percentage Rate. Actual APR is based on creditworthiness and will vary based on the Prime Lending Rate. APR shown is for purchases and balance transfers. Foreign transactions will include a foreign transaction fee of 1% of the US Dollar amount. Rates, terms, and conditions are subject to change. For more information, refer to our Visa Disclosures or contact the credit union.

Start your VISA Credit Card application

Credit
Card Benefits

Find the credit card that fits your lifestyle! With options to earn rewards or waive cash advance fees, our credit cards give you the flexibility you're looking for.

Fancy dinner out on the town with friends, using a CCCU credit card.

Competitive Rates

Get the convenience, flexibility, and security you need at a great interest rate.

No Annual or Balance Transfer Fees

You can kiss annual fees and balance transfer fee goodbye.

Card Controls

Freeze your card, set spending limits, travel notifications, and more, all within our mobile app.

Peace of Mind

Additional protection for Visa Signature cards, including Roadside Dispatch®, Travel and Emergency Assistance Services, and more.

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Signature Rewards Visa Credit Card

With our Visa Signature Rewards Credit Card, you earn points with every purchase—from entertainment to travel, and gift cards to cash rewards. And unlike many other rewards programs, it’s easy to redeem your points.

Earn 1 point for every $1 you spend
Choose from thousands of rewards redemption options
Low, variable rate³
No annual fee
No balance transfer fee²
Card Controls - mobile app
Digital wallet ready

Already have a Signature Rewards Visa Card? Get your CCCU Credit Card Controls App here:

Apply Now

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites. CCCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site.

CCCU’s privacy policy does not apply to linked websites. Privacy and security policies may differ at this link site from those practiced by the credit union. Consult the privacy disclosures on the linked, third-party site for further information.

Stylish couple celebrates with rewards points from the CCCU signature rewards program.

More About Our Rewards

You earned it, why not reward yourself? With our rewards program, you can earn rewards on the purchases you already make. With each signature-based transaction with your Signature Rewards Visa, you'll earn points that you can redeem for electronics, jewelry, travel, cash, and even cash back to your PCU account.

Earn: Shop at any in-store or online participating retailer with your Signature Rewards Visa and watch your points add up.
Track: Your gift options and up-to-date point total are included on monthly statements available through PCU’s online banking.
Shop: Earn points at hundreds of participating online, in-store and local retailers. You can also track your mall points earned.
Redeem: Combine points to get travel services, merchandise and more.

Visit CURewards.com for a complete listing of benefits and gifts. This is where you'll also log into your rewards account or register for the first time.

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Clear Visa Card

Whether you're paying for everyday expenses, making larger lifestyle investments, or transferring balances to consolidate high-interest debt, you shouldn’t have to fear using your credit card. Our Visa Clear Card keeps you in control of your finances.

Low, fixed rate
No annual fee or balance transfer fees²
No cash advance fee
Generous credit lines
Card Controls
Digital wallet ready

Already have a Clear Visa Card? Get your CCCU Card Management App here:

Apply Now

Clear credit card photo at Consolidated Community Credit union with a low fixed rate.

Visa Classic Card

If you are looking for a no-frills credit card with a low interest rate, our Visa Classic Card is an ideal choice. It gives you full control over your finances while offering the security and convenience that comes with Visa.

Low, variable rate
No annual fee
Generous credit lines
Card controls
Digital wallet ready

Already have a Visa Classic Card? Get your CCCU Card Management App here:

Apply Now

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites. CCCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site.

CCCU’s privacy policy does not apply to linked websites. Privacy and security policies may differ at this link site from those practiced by the credit union. Consult the privacy disclosures on the linked, third-party site for further information.

PCU Budgeting Tips and Tricks Guide Cover

Start building your perfect budget today!

Our Budgeting Tips and Tricks: Quick Solutions to Start Saving Today guide provides everything you need to build your perfect budget and start saving money today.

Ready to get started? Download your guide now:

What our members are saying:

"This was the fastest request to funding I have ever seen. Seriously like 45 minutes!"

Skylynn W. Member Since 2002

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

Gabrielle K. Member Since 2023

“Always great to see a familiar face and great service.”

Nina N. Member Since 2017

Frequently Asked Questions About Credit Cards

What info do I need to submit a balance transfer?

You’ll need:

a monthly statement that includes the name and address of the other financial institution (PCU accounts are excluded)
your full account number at that financial institution
the amount you’d like to transfer

How is the variable APR for my credit card determined?

Your Standard variable APR is determined by adding a Margin to the U.S. Prime Rate as published in The Wall Street Journal. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Your cash advance rate is 2% higher than your Standard APR (not applicable on fixed rate, Clear credit cards), not to exceed the amount specified in your Account Agreement. Currently, APRs for federal credit union loans are capped at 18%.

How do I check the status of my credit card application?

If you applied in-person at a branch, contact the branch where you applied.
If you applied online, contact our Consumer Loans Team at 503.797.7561 or loans@consolidatedccu.com.

What should I do before traveling to safeguard my credit card account?

You can set up travel notifications in our CCCU Credit Card Management mobile app, send us a secure message through online banking, or call us all 800.444.8115. Be sure to let us know the dates you’ll be traveling and where you’re going.

How do I add an authorized user to my account?

To add an authorized user, contact us.

Visit a PCU branch
Contact our Consumer Loans Team at 503.797.7561 or loans@consolidatedccu.com

How do I redeem my credit card rewards?

To check your balance and redeem your rewards, go to the CURewards website www.curewards.com.

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Credit Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites. CCCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site.

CCCU’s privacy policy does not apply to linked websites. Privacy and security policies may differ at this link site from those practiced by the credit union. Consult the privacy disclosures on the linked, third-party site for further information.

Simple credit card options to fit your style and spending plan.

CREDIT CARD RATES

Start your VISA Credit Card application