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Balance transfer rates as low as 2.99% APR!

For the first time ever, we are offering an incredibly low, fixed rate as low as 2.99% APR for balance transfers through April 30, 2019! Better yet, at the end of the promotional period, the interest rate won't skyrocket like other lenders. Instead, whatever balance is remaining will simply adjust to our regular rate which is as low as 8.90% APR.

Unlike other lenders, we have no balance transfer fee...that equals huge savings!

To take advantage of this special offer, you must transfer your higher-rate balances by March 31, 2018.

Apply Now

Visa Platinum Rewards card

We offer three types of Visa Platinum Rewards cards. Use the chart below to determine 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 and 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. Travel and merchandise rewards are included. Browse the Rewards catalog.

Members who would like to establish or rebuild credit. Browse the Rewards catalog.
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
Zero Liability Coverage, Travel Accident Insurance, Free Rental Car Insurance, Emergency Worldwide Cash and Card Replacement, Travel and Emergency Assistance, Warranty Manager Service
Zero Liability Coverage, Travel Accident Insurance, Free Rental Car Insurance, Emergency Worldwide Cash and Card Replacement, Travel and Emergency Assistance, Warranty Manager Service

Credit CardsVisit our Financial Resource Center and learn credit card basics and how to choose the right card for your needs!

 

 

 

Rewards

With the benefit of our free Rewards program, you can turn everyday shopping into travel and
brand-name merchandise.

Our Rewards program offers:

  • One point for every $1 spent
  • Points never expire
  • Points can be used for airline tickets, hotels, rental cars, cruises,
    vacation packages and brand-name merchandise
  • Access to multiple airlinesVisa, scorecard, rewards
  • No black-out dates
  • Combine points with cash to purchase travel tickets
  • Online booking service
  • Access to free travel service

We've made it simple to track and redeem your points. Simply log into BranchLine and click the My Rewards link from the Account Summary page or browse the Rewards catalog.

ScoreMoreTM

ScoreMore is a built-in bonus rewards program. ScoreMore looks at your transaction history and generates bonus point offers from some of your favorite merchants. Login to your rewards account and look for your ScoreMore Deals at the bottom of the page. Click on any of the offers to activate the ScoreMore bonus points!

 

 

Mobile Payments

Enjoy all the benefits of your Pacific Service CU Visa Platinum Rewards card when you load it into Apple PayTM, Samsung Pay or Android PayTM  to make purchases using your mobile device. By making purchases using one of the mobile payment services, you're taking steps to reduce fraud. Your card information is never shared with the merchant at the point of sale.

For more information or to learn how to enroll in any one of the mobile payment services, visit our Mobile Payments page or call a member service representative at (888) 858-6878.Mobile Payments

Visit our Financial Resource Center and learn how mobile payments can save you time and money!

 

 

 

Picture Cards

Pacific Service CU Visa credit cardThe 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 Service CU Visa credit card
. Then, be reminded of
great moments every time you use your card.

 

Customize your card

 

 

Card Security

Visa Fraud Alerts

We use state-of-the-art security to identify purchases outside of your normal spending pattern. If a purchase is deemed outside your normal card activity, you'll receive a real-time text or email alert asking you to confirm the transaction. If we're unable to reach you by text message, a fraud representative will contact you by phone. Combine that with our 24/7 Visa cardholder support and you can safely and securely shop with your Pacific Service CU Visa Platinum Rewards card anytime, from anywhere.

Visa Purchase Alerts

With Visa Purchase Alerts, receive a near real-time text message or email whenever a purchase is made using your Pacific Service CU debit or credit card. Monitor your purchases from your mobile device and act quickly to reduce potential fraud on your account. You can even choose the types of transaction alerts you want to receive including purchases over a specified amount, online purchases or those made outside of the U.S. Enroll today! For more information, visit Visa's website.

Visa Checkout

Visa Checkout is an easy way to pay for purchases at a growing list of online stores. Instead of entering your card information to complete the transaction, simply enter your Visa Checkout login and password. It's safe, easy and fast. Enroll today! For more information, visit Visa Checkout or FAQs.

Chip Technology

Your Pacific Service CU Visa Platinum Rewards card is equipped with chip technology. This enhancement is just one of the many ways that we protect your accounts from unauthorized use. The tiny chip embedded in the card protects you from fraud by creating a one-time code for each transaction. This code is virtually impossible to counterfeit and helps reduce in-store fraud. Existing cardholders will receive replacement chip cards in the coming months.

Card Controls

You have the ability to control your debit, credit and ATM cards from your mobile device. If your card is lost or misplaced, you can turn it off instantly with a simple tap to protect against fraudulent use. When your card is active, you can also manage daily limits. Protect your cards today!

24/7 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. If you are less than 100 miles from home and need an emergency credit card, please call a member service representative at (888) 858-6878.

If you are traveling outside of your normal spending area, it is helpful to let us know the dates and places you'll be traveling. We'll place a note on your account that will help us authorize purchases. Please call a member service representative at (888) 858-6878 prior to your travel dates.

 

 

 

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. Cash advances and balance transfers do not qualify to earn points.

Offer details: Only balances transferred between February 12, 2018 and March 31, 2018 in-branch, over the phone or through the online balance transfer form qualify for the promotional rate. Online/mobile transfers and convenience check transactions are excluded. Qualified transfers will receive the promotional rate through the April 30, 2019 billing cycle. After April 30, 2019, the standard purchase APR will apply to any remaining balance transferred during the promotional period. Other information: There is no fee for the transaction; however, no grace period applies. Balances can be transferred up to your available credit limit. Balance transfers accrue interest from the transaction date. Purchase balances will continue to accrue interest at the established purchase APR. Purchase transactions will incur interest unless you pay the entire balance, including any transferred balances, by the monthly payment due date. To avoid paying interest on purchases, you must pay the entire account balance each month. If your account becomes delinquent, the promotional balance transfer rate will increase to the established purchase APR. Balance transfers cannot be used to pay off other Pacific Service CU loans. Balance transfers do not qualify to earn reward points.
 

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