Visa Credit Cards & Awards

Everybody needs some "plastic" once and while, to rent that mustang convertible on vacation or splurge on a great dinner for the whole family!  (who's cousin is that?)  Parsons Federal Credit Union has a choice of Visa Credit Cards that are sure to work for your wallet!

Visa Classic

Our PFCU Visa Classic Credit Card offers a great value, with winning features. Take advantage of:

  • Low 13.5% non-variable Annual Percentage Rate
  • No annual fee!
  • No cash advance fees!
  • No balance transfer fees!
  • Credit Lines up to $5,000
  • 25-day grace period on purchases
  • Free Personal Identity Theft Protection Coverage Insurance
  • For your protection, the daily transactions limit is $2500

Current PFCU Visa Classic Card holders…Like to upgrade to a Visa Gold or Gold Lite Credit Card? Look into details here.

Check out our Rates

Apply Now

Visa Gold

Want something more out of your card? A PFCU Visa Gold Credit Card offers an elite program with inviting low rates, higher credit limits and extra award points! It also boasts features including:

  •  Low 12.5% non-variable Annual Percentage Rate
  • No annual fee!
  • No cash advance fees!
  • No balance transfer fees!
  • Credit Lines from $5,000 to $20,000
  • 25-Day grace period on purchases
  • Earn points with our Extra Awards Program . *Earn one point for every dollar of purchases and redeem them for travel, gift cards, cash and more!**
  • Free Identity Theft Protection Coverage
  • Enjoy Travel Accident, Lost Luggage Reimbursement, Warranty Manager Service, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver—all at no charge to you!
  • For your protection, the daily transaction limit is $5,000

Current PFCU Visa Gold Card Holders…Like to switch to a PFCU Visa Gold Lite? Click here .

Check out our Rates

Apply Now

Note: *Extra Award Points expire 3 years (36 months) from the date earned. For example, Extra Award Points earned in November 2010 will expire November 30, 2013. Your monthly Visa Gold Credit card statement will alert you regarding expiring Extra Award Points. You may also view your Points balance online here . For more information on Extra Awards call (877) 909-1450.

**Minimum number of Extra Award Points redeemable for cash is 14,500. Maximum number of Extra Awards Points redeemable for cash is 141,100. Expired Extra Awards Points will not be reinstated to your account. Your account must be in good standing (i.e. not delinquent or canceled, or otherwise not usable for charges or other transactions) to redeem Extra Award Points.

Visa Gold Lite

If you're interested in a low, non-variable rate credit card (and aren't so interested in those pesky points), PFCU Visa Gold Lite may be just the one for you! Go lite, and you still get a whole lot:

  • Low 9.90% non-variable Annual Percentage Rate
  • No annual fee!
  • No cash advance fees!
  • No Balance Transfer fees!
  • Credit lines from $5,000 to $20,000
  • 25-Day grace period on purchases
  • Free Personal Identity Theft Protection
  • Enjoy Travel Accident, Lost Luggage Reimbursement, Warranty Manager Service, Travel and Emergency Assistance Services & Auto Rental Collision Damage Waiver—all at no charge to you!
  • For your protection, the daily transaction limit is $5,000

Current PFCU Visa Gold Lite Card Holders…want to switch to a PFCU Visa Gold Credit Card? Click here .

Check out our Rates

Apply Now

Share Secured Visa

Just starting out, re-establishing your credit, or just value the convenience and security of pledged shares? A perfect choice is a PFCU Share-Secured Visa Credit Card — secured by pledging funds on deposit in your PFCU share savings account equal to 125% of the credit limit that fits your budget. (IRAs and ESOP Accounts are not eligible to be used as collateral.) Your Share-Secured Visa payment history is then reported to all three major credit bureaus. Other advantages include:

  • No annual fee!
  • Credit limits up to $10,000
  • Low, non-variable 13.50% Annual Percentage Rate
  • 25-Day grace period on purchases
  • Cash advance privileges with no fees!
  • FREE Identity Theft Protection
  • For your protection, the daily transaction limit is $2,500
  • Gold Card privileges for limits over $5000

Check out our Rates

Apply Now

Credit Builder Visa

At PFCU, we know that the recent economy has hit many people pretty hard — and we'd like to help members who've been affected get back on their feet financially. That's where our Credit Builder Visa Classic Credit Card comes in.

With built-in benefits you can use on an everyday basis, this Card offers valuable opportunities to establish better credit at the same time. It lets you track and manage your credit card activity 24/7 with CU Online Home Banking. Plus, you can take advantage of automatic payment options and start rebuilding your credit with automatic monthly reporting to the credit bureaus of your payment history. Other features include: 

  • Maximum credit limit of $500
  • 25-Day grace period
  • No annual fees!
  • No balance transfer fees!
  • No cash advance fees!
  • Low, non-variable 13.50% Annual Percentage Rate

Check out our Rates

Apply Now

Visa Extra Awards

Get more from life. Get Extra Awards®.

Extra Awards® is your points program where every qualifying purchase gets you closer to your dreams!

It's simple. Use a your Visa Gold Credit Card — and watch your points add up. When you're ready to redeem, simply log in to your account, select your award and order. You'll be enjoying life's Extra Awards® in no time!  (Remember your points are good for up to 36 months from date earned.)

Don't have Extra Awards®…or want to check your Visa Extra Points? Click here

Additional Visa Information

Verified By Visa
We proudly offer our members added protection and peace-of-mind with Verified by Visa . Verified by Visa allows you to password protect your Visa Credit Card to prevent unauthorized use! Register your PFCU Visa Credit Card today !

Traveling Abroad?
Have a great time…and don't stress! Locate International Visa/Plus ATMs here .

Notify PFCU When You Travel
If you're an existing PFCU Visa Credit or Debit Card holder, be sure to let us know if you are traveling so that your spending privileges won't be interrupted!

Foreign Currency Exchange Rate
Visit Visa's Foreign Currency Exchange website to estimate the rate of exchange when using your PFCU Visa Credit Cards internationally. Visa charges PFCU a 1% Currency Conversion Fee, therefore, select 1% in the "bank fee" box. PFCU does not charge any additional fees for currency conversion. You may access this feature at www.visa.com/exchangerate .

For after hours assistance with your PFCU Visa Credit or Debit Card, please call:
From within the United States: 888-526-0404 ~ From Outside the United States: (Toll-Free) 206-352-4954

Parsons Federal Credit Union urges all credit and debit card holders to activate and sign the back of their cards upon receipt. Technically, merchants are not authorized to accept credit or debit cards that are not signed by the cardholder or have used the signature panel on the back of the card for something other than a signature such as "Ask for ID".

Merchants are required to follow the following procedure when asked to accept an unsigned credit or debit card:

  • Obtain authorization from the card issuer (PFCU)
  • Ask cardholder for identification
  • Require the cardholder to sign the card before acceptance

By signing the card, you provide a means for the merchant to verify your identity. Merchants must compare the signature on the back of the card with the signature on the receipt before completing the transaction. If an unsigned card is lost or stolen, a fraudster can sign the card with a signature that matches the name on the front of the card. The fraudster's signature on the receipt will then match the signature on the card.

"Heartbleed" Scare!

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