Visa Credit Cards

For every stage of life

Whether you've had years of good credit and you're looking for a credit card to reward you, or you're just starting out in life looking for that first chance with credit—we've made sure we can support our members through a variety of credit card options. And no matter what time of year it is, or which type of credit card you choose, a Visa Credit Card from PSCCU comes with many great features and benefits such as:

  • NO cash advance fee
  • Cash advances receive the same low rate as purchases
  • A 25-day grace period to pay your balance in full and avoid interest (applies to purchases only) 
  • $250,000 - $500,000 travel accident insurance depending on card type
  • VISA Activity Alerts
  • Worldwide ATM access
  • Contactless payment
  • EMV chip technology
  • 24/7 access via PSCCU Online Banking
  • Emergency card replacement

Visa Platinum & Visa Platinum Rewards

With rates as low as 6.90%APR and credit limits up to $20,000, we offer both a Visa Platinum Credit Card without any annual fees, and a Visa Platinum Rewards Credit Card that has a low annual fee but earns a point per every dollar spent for rewards such as travel, brand name merchandise, gift cards, unique experiences and much more.*

Visa Classic

For those looking to keep things more simple, our Classic Credit Card offers rates as low as 13.90% APR with NO annual fee and credit limits up to $10,000.*

Visa Secured Classic

As a great way to build or rebuild your credit, our Secured Credit Card carries a rate as low as 13.90% APR with NO annual fee and is secured by funds in your account.* So by paying your credit card bill on time and maintaining a positive standing with the Credit Union, your credit may improve over time, allowing you to move up to another credit card, as well as to other loans with PSCCU.

Additional Visa Benefits & Resources

  • Balance Transfer Request – Simply log into your PSCCU Online Banking account and follow the steps to perform Balance Transfers to your PSCCU Credit Card.
  • ScoreCard – Our Visa Platinum Rewards program that gives you points for every dollar you spend.
  • Verified by Visa – Create a password that protects you when you buy online. This service helps prevent unauthorized purchases before they even happen.
  • Visa Activity Alerts – Reduce fraud and monitor your spending anytime, anywhere with near real-time alerts. You can receive updates on your Visa Credit Card activity through text messages and email so you can act quickly to reduce fraud and monitor your account—wherever you are. And this unique service is available free for PSCCU Visa Credit Card holders!
  • CardValet Mobile App – The application that allows you to instantly set a variety of preferences on your PSCCU Credit Card!
  • Wave Club Benefits – By having an active PSCCU Visa Credit Card and an active Checking Account, you can lower a loan rate by 0.25%, or increase a dividend rate! See the Wave Club information at the bottom of either rates page.
  • Lost or Stolen Visa Credit Card Call the Visa Credit Card 24/7 Call Center to report Lost or Stolen card:
    • 888.999.3360 (Inside of the US)
    • 1.531.233.6394 (International Number)
    • Have your credit card number or the primary account holder's SSN readily available when you call

Apply Online  View Rates

*Click here for Visa terms and conditions.

Current Visa Credit Cardholders: Conversion Information

We mailed current PSCCU Visa Credit Cardholders two letters with detailed information regarding important dates, actions to take, and new credit card access information. You may see copies of those two letters by clicking on the links below.

As a reminder of the important information:

  • Your current credit card will stop working on March 22, 2021, at 3:00 AM PST
    • If the account is a joint account, each member will receive their own card with individual account numbers so both cardholders will need to follow these steps
  • You can activate and start using your new card on March 22, 2021, at 4:00 AM PST
    • (You will not be able to activate or use your new card until this time)
  • Effective March 22, 2021, if your card is lost or stolen, you should contact the 24/7 Credit Card Call Center at:
    • Toll Free Number inside of the US 888.999.3360
    • International Number 1.531.233.6394

Reminder of Credit Card Conversion & Additional Information Letter March 2021

Original Credit Card Notice of Change Letter dated January 27, 2021

An Overview of ScoreCard Rewards