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.
Our Gift to You this Holiday Season!
Now through December 31st, use your Providence Federal Credit Union Visa Credit Card and recieve 2.99% APR* on all purchases.
Free yourself from high interest rate credit cards with a Providence Federal Credit Union Visa Balance Transfer.
| 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.
*November 27, 2020 to December 31, 2020, Promotion APR (ANNUAL PERCENTAGE RATE) Purchases will be subject to the Promotional APR of 2.99% for a period of 12 billing cycles. After 12 billing cycles, the rate on any remaining balance will be subject to the New Purchase Rate. The APR Promotional Rate is fixed and does not apply to Cash Advances or Balance Transfer. Promotional rates may not be used to pay existing Providence Federal Credit Union loans or credit card debt. After that, the remaining balance will be subject to the New Purchase rate. As of November 1, 2020, the rates for new purchases and cash advances is 8.75% APR for Visa Platinum and 8.75% to 18.00% for Visa Classic Cards. Loans are subject to credit approval. Rates and terms are determined by the Board of Directors and are subject to change without notice. Providence Federal Credit Union (PFCU) membership is required, and members must be in good standing with the credit union to qualify for this promotion. Other restrictions may apply. **The 4.99% 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% 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.
