If your credit card company has increased your rates, bumped up your minimum payments or hiked up their late fees, then check out our Visa Programs. You'll find low rates, low or absolutely no fees and easy access to your money. We're just friendly that way.
| Compare | Visa Platinum | Visa Classic |
|---|---|---|
| APR* 12-month introductory rate on balance transfers |
4.99% APR* |
7.99% APR* |
| APR* fixed rate on Purchases and Cash Advances | 8.75% APR* | 11.75% APR* |
| No annual fee | ||
| 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) |
| Ideal for establishing credit or rebuilding a solid credit score | Visa New Beginning |
|---|---|
| APR* fixed rate on Purchases and Cash Advances |
18% APR* |
| Annual fee | $12 |
| No cash advance fees | |
| No transaction fees | |
| $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) |
Traveling or Shopping via Online/Phone Abroad? Plan Ahead!
If you're preparing to travel out of the country and intend to use your PFCU Visa credit or debit card, please be sure to notify us as soon as possible when you'll be traveling and where. Because of the number of fraudulent credit and debit card transactions in foreign countries, we want to protect you and your money. Therefore, it's very important that when you're planning to travel abroad to please notify us immediately so we can ensure that all your transactions follow your itinerary and that you have access to your funds. The same goes for making purchases online or via phone when making purchases abroad using your cards. If possible, please give us a call at (503) 215-6090 or toll-free at (888) 849-5189.
*APR (ANNUAL PERCENTAGE RATE). The 4.99% APR and 7.99% APR promotional rates are fixed for 12 months and do not apply to future purchases or cash advances. Promotional rates may not be used to pay existing Providence Credit Union loans or credit card debt. All 4.99% APR and 7.99% APR balance transfers will be classified as “purchases” under our Visa Card Agreement. New purchases or cash advances will carry a fixed rate. As of January 1, 2020, the rates for new purchases and cash advances is 8.75% APR for Visa Platinum and 11.75% APR for Visa Classic. All loans subject to credit approval.
† Subject to conditions in the Visa Credit Card Agreement.
