As part of our recent merger with Consolidated Community Credit Union (CCCU), we’ve updated our line of credit cards. We’ll have more details about this change soon, in the meantime checkout the following information on one of our new cards, Visa Clear.
Visa Clear Credit Card
Whether you’re paying for everyday expenses, making larger lifestyle investments, or transferring balances to consolidate high-interest debt, you shouldn’t have to fear using your credit card. Our Visa Clear Card keeps you in control of your finances.
- Low, fixed rate
- No annual fee or balance transfer fees2
- No cash advance fee
- Generous credit lines
- Credit Card Management App
- EMV chip for enhanced security
- Digital wallet ready
Additional Visa benefits
Competitive Rates
Peace of Mind
Used Worldwide
How to apply
You can apply for the Visa Clear Credit Card by completing our online application by clicking Apply Now.
Apply NowVisa Clear Card
| APR* | Fixed Rate, starting at 10.95% APR* |
| Annual fee | $0 |
| Cash Advance Fee | $0 |
* APR=Annual Percentage Rate. Actual APR is based on creditworthiness and will vary based on the Prime Lending Rate. APR shown is for purchases and balance transfers. Foreign transactions will include a foreign transaction fee of 1% of the US Dollar amount. Rates, terms, and conditions are subject to change. For more information, refer to our Visa Disclosures or contact the credit union.
Compare PFCU VISA Credit Cards
| Compare | Signature Rewards Visa | VISA CLEAR | VISA Classic |
|---|---|---|---|
| APR* fixed rate on Purchases and Cash Advances | 12.40% APR* | 11.40% APR* | 10.95% – 11.40% APR* |
| Annual fee | $0 | $0 | $0 |
| 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 03/06/2025, the rates for new purchases and cash advances are 12.40% APR for Visa Platinum, 10.95% to 11.40% APR for Visa Classic, and 11.40% 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, email, or phone.
* APR=Annual Percentage Rate. Actual APR is based on creditworthiness and will vary based on the Prime Lending Rate. APR shown is for purchases and balance transfers. Foreign transactions will include a foreign transaction fee of 1% of the US Dollar amount. Rates, terms, and conditions are subject to change. For more information, refer to our Visa Disclosures or contact the credit union.
Membership eligibility required. All loans subject to credit approval. [2] Balance transfer fees may apply during promotional rate periods. Contact credit union for complete list of fees. [3] Actual Annual Percentage Rate is based on creditworthiness and will vary based on the Prime Lending Rate. Rates, terms, and conditions are subject to change.
Subject to conditions in the Visa Credit Card Agreement.