Visa Platinum Rewards Card

Dream it. Redeem it…Simple.

Credit cards made simple

Everyday expenses start with an everyday card. From gas and groceries to online shopping, this is the only card you need. With everyday low rates and freedom from fees, this card is a leader in the marketplace. You'll also earn reward points with our rewards program. Points can be redeemed for airline tickets, hotels, rental cars, vacation packages, brand-name merchandise and gift cards.

Find what you need?

Balance transfer rates as low as 3.49% APR!

For a limited time, we are offering an incredibly low, fixed rate as low as 3.49% APR for balance transfers. You'll receive the benefit of the special rate through March 31, 2020. Unlike other lenders, we won't charge a balance transfer fee...that equals huge savings. Learn more!

Visa Platinum Rewards

Our most popular option. Low rates and reward points offer maximum flexibility.

No annual fee
No balance transfer fee
No cash advance fee

Visa Platinum
Rewards Starter

New to credit? This option is for you. Low rates and a manageable credit limit will help build your credit score.

No annual fee
No balance transfer fee
No cash advance fee

Secured Visa Platinum Rewards

Need to rebuild credit? This option is for you. Use funds on deposit to help qualify for the card.

No annual fee
No balance transfer fee
No cash advance fee

Rewards

What you need to know

Points never expire
Points can be redeemed for airline tickets, hotels, rental cars, vacation packages, brand-name merchandise and gift cards
Access to multiple airlines
No black-out dates
Combine points with cash to purchase travel tickets
Online booking service
Access to free travel service

It’s simple to track and redeem your points. Simply log into online or mobile banking to view or redeem your points. You can also visit the redemption site. You’ll also be rewarded with bonus offers from some of your favorite merchants.

Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to the ScoreCard Rewards program Terms and Conditions. Visit the ScoreCard redemption site for complete details.

Mobile Payments

Payments Made Simple

Imagine not even needing to carry the card to make a purchase. It’s simple. Add your debit or credit card to your mobile wallet by simply taking a picture. Once loaded into Apple Pay^SM, Samsung Pay or Google Pay^TM purchases are made by using your mobile device. Mobile payments are a more convenient, secure way to pay.

Mobile internet access is required to use our free mobile banking app. Check with your wireless carrier for applicable fees. Apple Pay is a trademark of Apple Inc. registered in the U.S. and other countries. Click here to view Pacific Service Credit Union's Terms and Conditions. Samsung Pay available on select Samsung devices, most major carriers and supported cards. Visit Samsung for complete list. Google, Google Pay and the Google Logo are trademarks of Google Inc.

Picture Card

Custom cards

Four-legged friends, the best vacation ever, a special occasion…pick out your favorite photo and use it to customize your Visa debit or 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 seems suspicious, you'll receive a near real-time text message or email alert to confirm the transaction. If we're unable to reach you by these methods, a fraud representative will call you. You don’t need to do anything for this protection. It is included as part of our everyday security features.

Visa Purchase Alerts

With Visa Purchase Alerts, you’ll receive a near real-time text message or email whenever a purchase is made using your debit or credit card. Monitor purchases from a 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 number of online merchants. 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

Our debit and credit cards are equipped with chip technology. Chip technology is just one of the many ways that we protect your accounts from unauthorized use. The tiny chip protects against fraud by creating a one-time code for each transaction. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Card Controls

You have the ability to control your debit, credit and ATM cards from our mobile app. 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 spending limits. Download the app today!

Visa Card Benefits

As a Pacific Service CU Visa Platinum Rewards cardholder, you unlock Visa's Warranty Benefits that include extended warranty protection, travel and accident insurance, auto rental collision insurance, and travel and emergency assistance services.

Visa Fraud Alerts: Messaging and frequency depends on account activity. For more information, text HELP to 32874. To cancel fraud text messaging services at any time, reply STOP to any alert from your mobile device or text STOP to 32874. For support, call (888) 858-6878. By giving us your mobile number, you agree that fraud alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud. Release of liability: Alerts sent via SMS may not be delivered to you if your phone is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of any carrier may interfere with messages delivery for which the carrier is not responsible. No carrier will guarantee that alerts will be delivered.

Card Support

Whether you’re away from home or receive a fraud alert at midnight, we provide 24/7 card support. If your card is lost or stolen, you need to activate your card or change your PIN, please call a member service representative at (888) 858-6878. You can also send us a secure email through online banking or our mobile app.

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

If you are traveling outside of your normal spending area, please let us know the dates and places you'll be traveling prior to your travel dates. We will note your account which will help authorize purchases.

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 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 January 15 and February 28, 2019 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. Checks will be issued and mailed to the address of record and must be made payable to a third party. Checks are not able to be made payable to the member or deposited to the members’ account. Continue to make your monthly payment on these other issuer accounts until the payment for the transferred amount appears on your other issuer’s statement. Pacific Service CU is not responsible for late payments, interest or fees on your other issuer’s account. Qualified transfers will receive the promotional rate through the March 31, 2020 billing cycle. After March 31, 2020, 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.

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