VISA New Beginnings Credit Card
A credit card designed to help you build credit. While you buy the things you need, you’ll also be creating a healthy payment history, all without the burden of high fees or high interest.
- No upfront security deposit
- May improve your credit rating
- $12 Annual fee
- No transaction fee
- No cash advance fee
Who’s it for
The Visa New Beginnings is ideal for anyone starting out, starting over, or simply looking for the convenience of a Visa card. Its affordable limits and flexible payment options help build a credit score that’ll make it easier for you to get approved for a home loan, personal loan, or auto loan in the future.
How does Visa New Beginnings work
Visa New Beginnings works just like a traditional credit card, but it’s a great tool to help you begin building a positive credit history. While it has a higher APR than some other credit cards and a low annual fee, those whose credit score is less than perfect may be able to build a stronger credit profile by using this card responsibly.
How to apply
You can apply for the Visa New Beginnings by completing our online application by clicking Apply Now.
Apply NowCompare PFCU VISA Credit Cards
| Compare | Visa Platinum | VISA Classic | VISA New Beginnings |
|---|---|---|---|
| APR* fixed rate on Purchases and Cash Advances | 12.99% APR* | 14.99% – 18.00% APR* | 18.00% APR* |
| Annual fee | $0 | $0 | $12 |
| No cash advance fees | |||
| Internet Authentication Service (Verified by Visa®) | |||
| Fraud protection – provides 24/7 fraud monitoring | |||
| $500,000 Travel and Accident Insurance | |||
| Emergency Cash and Card Replacement | |||
| Zero Liability† | |||
| Free balance transfers up to your credit limit | |||
| Visa Global Customer Assistance Services (GCAS) | |||
| Contactless Credit Cards |
*APR (ANNUAL PERCENTAGE RATE). As of 11/01/2024, the rates for new purchases and cash advances are 12.99% APR for Visa Platinum, 14.99% to 18.00% APR for Visa Classic, and 18.00% APR for New Beginnings. All loans subject to credit approval. Rates are subject to change without notice and vary based on type of card and credit worthiness.
† Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. It’s our guarantee that you won’t be held responsible for unauthorized charges made with your PFCU Debit or Credit Visa card. You are covered if your card is ever lost, stolen or fraudulently used. Cardholders must use care in protecting their card and notify PFCU immediately of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.
Subject to conditions in the Visa Credit Card Agreement.
Frequently Asked Questions
If you have a higher credit score, lenders and investors will be more likely to provide lower interest rates and fees. If your credit history is good, investors will have more confidence in your ability to pay on time consistently.
Did you know you can check your own credit score for free once annually? A good credit score is essential to your financial health. Visit annualcreditreport.com to receive a free copy of your credit score.
To request a credit limit increase please fill out a new credit card application, and a loan officer will work to increase the limit on your existing card.
No, we do not offer a credit card rewards program, but we do have several credit cards options:
- Visa Platinum
- Visa Classic
- Visa New Beginning
Our credit cards have great features that make being a member at Providence Federal Credit Union worthwhile!
- No annual fee and cash advance fees
- Internet Authentication Service (Verified by Visa®)
- Fraud protection – provides 24/7 fraud monitoring
- $500,000 Travel and Accident Insurance
- Emergency Cash and Card Replacement
- Zero Liability
- Free balance transfers up to your credit limit
- Visa Global Customer Assistance Services (GCAS)
If your card has been lost or stolen we recommend that you block your card in Online Banking or the Mobile Banking app immediately. To do this, log in to Online Banking or your Mobile Banking app, go to “Cards” and then “Lock Card.” You can then go to “Lost Card” to order a replacement card. You can also contact us at (866) 633-7032. We will block and reissue your card.
Please review our Deposit Fee Schedule on our Rates page for our current Card Replacement Fee.
To learn more on how you can protect yourself, please visit our Security page. If you suspect your accounts have been compromised, Contact Us right away!
To dispute a credit card transaction please contact our fraud line at 888-918-7313.
You may need to dispute a credit card transaction if:
- Someone else used your card without permission.
- There was a billing error.
- You’ve tried to resolve a problem with the merchant.
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Need more information?
Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.
Bright Ideas
Having trouble getting a credit card? Apply for our Visa New Beginnings credit card. The card to help you rebuild and reboot.
Financial Health Check
Looking for freedom from debt and money worries? You’re in the right neighborhood. We’ll help you create a realistic budget, build achievable goals, and reduce high-interest debt.
*APR (ANNUAL PERCENTAGE RATE). As of 11/01/2024, the rates for new purchases and cash advances are 12.99% APR for Visa Platinum, 14.99% to 18.00% APR for Visa Classic, and 18.00% APR for New Beginnings. All loans subject to credit approval. Rates are subject to change without notice and vary based on type of card and credit worthiness.
Subject to conditions in the Visa Credit Card Agreement.