With no annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances—your card delivers more value. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.
Limited-time offer
Earn 50,000 bonus points!
Open your Visa Platinum Rewards card and kickstart your rewards! When you make $5,000 in purchases within 90 days of opening a new card, you'll earn 50,000 bonus reward points.
Credit Card Reward Points
It’s simple to track and redeem your points. Simply log in to online or mobile banking to view or redeem your points. You can also visit the redemption site. Added benefits:
- Points never expire
- Points can be redeemed for airline tickets, hotels, rental cars, vacation packages, brand-name merchandise, gift cards or cash
- Access to multiple airlines
- No black-out dates
- Combine points with cash to purchase travel tickets
- Online access to free travel and booking service
Mobile Wallet Made Simple
Imagine not needing to carry a card to make a purchase. It’s simple. Add your debit or credit card to your mobile wallet by simply taking a picture of the card. Once loaded into Apple Pay® or Google Pay® purchases are made by using your mobile device. Mobile payments are a more convenient, secure way to pay.
Visa Credit Card Benefits
As a Pacific Service CU Visa Platinum Rewards cardholder, you unlock Visa's Card Guide to Benefits which includes travel and accident insurance and travel and emergency assistance services.
Safeguard Against the Unexpected
Payment protection is a service that protects your family members should the unexpected happen. In the event of involuntary unemployment, disability, and even death, this service may cancel your loan balances or payments.
For additional protections, Life Plus can extend your payment protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances in case of:
- Accidental dismemberment
- Terminal illness
- Hospitalization or family medical leave
- Death of a non-protected dependent
To enroll, please call a member service representative at (888) 858-6878 today!
Filing a Claim
In your time of need, our claims process is quick and easy. If you have already elected payment protection on your loan, you can use the convenient claims process to quickly and easily file your insurance claim.
Need a little breathing room?
Unexpected expenses happen. With Skip-a-Loan, you can skip up to two payments during the life of an eligible auto or personal loan—or one eligible Visa Platinum Rewards card payment within a 12-month period. A $25 fee applies, and skipping an eligible payment won’t affect your credit standing.
Interested in skipping a payment?
Please call us at (888) 858-6878 or visit a branch for assistance with your Skip-a-Loan request.
Account Security
Credit Card 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 to confirm the transaction. If we're unable to reach you through text message, 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
For added credit card security, you can 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. Once established, 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. Enroll today! For more information, visit Visa's website.
Visa Click to Pay (CTP)
Visa CTP 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 CTP login and password. It's safe, easy and fast. Enroll today! For more information, visit Visa Click to Pay.
EMV 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.
Credit Card Controls
Stop fraud before it starts. With card controls, you can control your debit, credit and ATM cards from online or mobile banking. If your card is lost or misplaced, you can turn it off instantly to protect against fraudulent use. You can also manage daily limits to help prevent overspending.
Credit Card Customer 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 the mobile banking 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 +1-303-967-1096.
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.
Refer your family and friends
You'll both get $50 when they open an account. Refer up to 10 friends and receive $500!
Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878.
Annual percentage rates (APR) as of September 9, 2026 and are subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878.
Visa: APR is variable and ranges between 10.75% and 15.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to ScoreCard Rewards Terms and Conditions. Complete Visa Card Account Agreement and Truth-in-Lending Disclosure.
Rewards: 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.
Bonus points offer: Must spend $5,000 in qualifying purchases within 90 days of account opening in order to receive the incentive. Qualifying purchases can be made by the primary cardholder or any additional authorized user on the same Visa card account. If an item is purchased and returned during the promotional period, the purchase will not count towards the minimum purchase amount requirement. Bonus points will appear as a point adjustment on your Visa Platinum Rewards card statement in the following month after you reach your $5,000 spend. Visit www.pacificservice.org for complete membership eligibility, product details and current rates.
Mobile wallet: 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. Google, Google Pay and the Google Logo are trademarks of Google Inc.
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.
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
TruStage is the marketing name for the TruStage Financial Group, Inc. its subsidiaries and affiliates. © TruStage
Skip-a-Loan payment: Members can skip non-consecutive loan payments twice during the life of the loan for vehicle and personal loans, and once in a twelve-month period for Visas. A $25 fee (FINANCE CHARGE) will apply for each loan payment skipped. The fee must be paid in advance by check or automatic withdrawal from your checking, savings or money market account. Loans with co-signers can only be processed upon receipt of a signed agreement by all parties to the loan. Home equity loans, home equity lines of credit, including no-cost refinance, consolidation loans and certificate-secured loans are ineligible for Skip-a-Loan payment. Loan must be current and opened six months with good payment history to be eligible. Other restrictions may apply. See Terms and Conditions. The interest on the loan continues to accrue, and all other terms and provisions remain unchanged. Your deferred payment(s) plus any additional accrued interest will be paid at the maturity of your loan.