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.

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

After Hours Visa Contact Information:

Report a lost or stolen card: (800) 543-5073 
Outside U.S., call collect: (727) 570-4881

Declined transactions and you received a call from card member security: (800) 890-5097
Outside U.S., call collect: (727) 227-2447

To request a replacement card or to block your card outside of normal business hours, please contact Visa at (800) Visa-911.
Outside of the U.S., call collect: 0-410-581-9994.

If your card is lost or stolen, a transaction has been declined or you receive a call from card member security, you can send us a secure email through BranchLine. We will reply to your email within one business day.

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. Visa Rewards: Complete Visa Terms & Conditions. Cash advances and balance transfers do not qualify to earn points.

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