Rewards Visa Credit Card



  • Rates as low as 9.90%*
  • Credit Lines starting at $500
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • No Annual Fee
  • Several convenient payment options
  • 1.5 points for every $1 purchased
  • Redeem rewards for cash, travel, gift cards and merchandise
  • Digital Wallet

Credit Cards

Visit our Financial Education Center and Learn how credit cards work, what features to look for, and how to manage a credit card responsibly.

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Rates & Fees

Visa Credit Card Disclosure
Annual Percentage Rate (APR) for Purchases, Cash Advance and Balance Transfer Rewards VISA®    9.90% - 15.90%
Grace Period for Purchases 25 Days
Estimated Payment 2% of Balance ($20 minimum)
Annual Fee None
Minimum Finance Charge None
Transaction Fee for Purchases  None
Foreign Transaction Fee Single Currency - 0.80%*
Multiple Currencies - 1.00%*
Late Payment Fee $25.00 **
Cash Advance Fee None
Return Check Fee $25

* of transaction amount.
** if ten (10) or more days late.



Low Rate Card Rewards Card Secured
Rates as low as 7.90% Rates as low as 9.90% Fixed Rate 14.90%
Credit Lines starting at $500 Credit Lines starting at $500 $500 - $1,000 Credit Limits
No Cash Advance Fee No Cash Advance Fee Build or repair credit
No Annual Fee  No Annual Fee  No Cash Advance Fee
No Balance Transfer Fee No Balance Transfer Fee No Annual Fee
  1.5 points for every $1 purchased Secured with your own funds to build your credit
  Redeem rewards for cash, travel, gift cards and merchandise  



Are there any fees on my Rewards Visa?
There are no monthly or annual fees on your Rewards Visa. However, if your payments are not made on time, you may be subject to a late fee. Please refer to the Visa Agreement and Disclosure and Rate Schedule for additional details.
What number do I call to activate my card?
To activate your Visa Credit Card please call 855-340-8767.
What number do I call to cancel my card if it’s lost/stolen?
To report a lost or stolen credit card please call 855-340-8767.
When does interest accrue?
Interest will not be charged on purchases if you pay your entire balance by the due date each month. Balance transfers, convenience checks and cash advances will begin to accrue interest on the transaction date.
Is there a grace period from my due date?
You have 10 days after your due date to make your payment before a late fee is applied.
How do I conduct a balance transfer?
You may request a balance transfer in Online Access under Services or by visiting your local branch.
How do I order convenience checks for my credit card?
You can request convenience checks in Online Access under Help Center/Make an Inquiry or by contacting us at 855-340-8767.
Is there anything I should know before traveling with my Rewards Visa?
Before you travel, contact us at 520-381-3100 to let us know the dates and location of your trip.
How do I start earning points on my Rewards Visa?
Every time you make a purchase on your new card, you will begin earning points. Points expire 3 years from date earned.  
Where can I earn points?
Anywhere VISA is accepted. A list of retailers can also be found where you view your Account Activity.
Where can I view my point activity?
You can access your history of points where you view your Account Activity. Rewards points will also display on your statement.
When can I redeem points?
It can take up to 40 days for points to be credited to your account. You must first accumulate 1,500 points before they can be redeemed. The points are available to view here. Once logged in you can keep track of the points earned, and then shop the online rewards catalog when you’re ready to redeem. A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item. Points expire 3 years from date earned. 
Can I share points with family members?
All credit cards within the same credit card account will automatically earn points together.
How much does it cost to participate?
There’s no cost to participate. Participation is free as part of PCFCU Credit Card Program (on reward cards only). *See Visa Credit Card Disclosure for fee schedule. 
How do I earn points when making purchases?
The points are established at 1.5 point for every $1 spent. So a $60 purchase would earn 40 points.
Do my rewards points expire? 
Rewards points expire 3 years from date earned. 
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