Visa Credit Cards

Our low rates and no annual fee make this card a terrific value.  With the added benefit of Rewards, you can turn everyday shopping into travel and brand-name merchandise.  Receive an instant loan decision today!  

Our Rewards program offers:

Track your points, search the catalog and redeem your points online. For more information, visit Rewards FAQs or browse the Rewards catalog.

2x Reward Points for 2016

Earn 2x reward points all year long with your Pacific Service CU Platinum Rewards card! Throughout 2016, we'll be offering 2x points for purchases made within the following categories:

Promotional Period 2x Points Category
March - April Home improvements
May - July Travel and recreation
August - September Back-to-school
October Dining and entertainment
November - December Gas, groceries and gifts

Picture Cards

The family pet. Your favorite vacation spot. The best day of your life. Even a selfie. Pick out your favorite photo and use it to customize your Pacific CU Visa credit card. Then, be reminded of great moments every time you use your card. Click here to customize your card.

Loan Saver

Already have a credit card? Find out how much you may be able to save with Loan Saver. Our online calculator can determine if you can save money by transferring your existing credit card balances to us. It's free, simple and you can calculate potential savings in just minutes.

We offer three Visa credit card options. The chart below can help you decide which card is right for you:

  Visa Platinum Rewards Visa Platinum Rewards Starter Secured Visa Platinum Rewards
 
Perfect For

 
Members who want to earn travel or merchandise rewards. Browse the Rewards Catalog.

Members 18 or older who want to start building credit, have no adverse credit history and have a job or a co-signer with the added benefit of travel or merchandise rewards. Browse the Rewards catalog.

 

Members who would like to establish or rebuild credit.

Variable APR Current APR
Based on credit qualifications
Current APR
Based on credit qualifications
Current APR
Based on credit qualifications
Annual Fee None None None
Cash advance fee None None None
Balance transfer fee None None None
Skip your loan payment option $25 per skipped payment – details $25 per skipped payment – details None
Additional benefits Zero Liability Coverage, Travel Accident Insurance, Free Rental Car Insurance, Emergency Worldwide Cash and Card Replacement, Travel and Emergency Assistance, Warranty Manager Service; secure online shopping with Verified by Visa Zero Liability Coverage, Travel Accident Insurance, Free Rental Car Insurance, Emergency Worldwide Cash and Card Replacement, Travel and Emergency Assistance, Warranty Manager Service; secure online shopping with Verified by Visa Zero Liability Coverage, Travel Accident Insurance, Free Rental Car Insurance, Emergency Worldwide Cash and Card Replacement, Travel and Emergency Assistance, Warranty Manager Service; secure online shopping with Verified by Visa

24/7 Visa Cardholder Support

If your card is lost or stolen, a transaction has been declined, you received a call from card member security or you need to activate your card, please call (888) 858-6878. If you are outside the U.S., call collect (727) 570-4881.

You can also send us a secure email through BranchLine or our mobile app. We will reply to your email within one business day.

If you are traveling greater than 100 miles from home or are outside of the U.S. and need an emergency credit card, please call Visa at (800) VISA-911 or call collect 0-410-581-9994.

To be eligible for our Visa Platinum Rewards Starter Card, members must be 18 or older, have no adverse credit history and have a job or a co-signer to qualify. Visa: Complete Visa Card Account Agreement and Truth-in-Lending Disclosure. The annual percentage rate (APR) is variable and ranges between 8.90% - 13.90% based on creditworthiness at the time of application. After that, the rate will vary with the market based on Prime Rate. Foreign transaction fees are 0.80% of each foreign transaction in U.S. dollars or 1.0% of each foreign transaction in a foreign currency. Visa Rewards: Complete Visa Terms & Conditions. Cash advances and balance transfers do not qualify to earn points.

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