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Parsons Federal Credit Union offers a diverse group of credit cards that provide a wide range of benefits and rewards. You can earn points on your purchases or opt for a simple, secure credit card without annual or balance transfer fees. Compare cards and learn which may be best for you!
The Parsons FCU Visa Classic Credit Card offers a great value, with winning features. Take advantage of:
If current Parsons FCU Visa Classic Card holders would like to upgrade to a Visa Gold or Gold Lite Credit Card, visit here.
*See our rates
Want something more out of your card? A PFCU Visa Gold Credit Card offers an elite program with low rates, higher credit limits and extra award points! It also boasts features including:
Current PFCU Visa Gold Card Holders…Like to switch to a PFCU Visa Gold Lite? Click here .
*See our rates
*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 10,000. Maximum number of Extra Awards Points redeemable for cash is 100,000. 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, PFCU Visa Gold Lite may be the right card for you! Go lite, and you still get a whole lot:
Current PFCU Visa Gold Lite Card Holders…want to switch to a PFCU Visa Gold Credit Card? Click here .
See our rates
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:
See our rates
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 Online 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:
See our rates
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.)
Want to learn more or see your points status? Click here.
Additional Visa Information
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
smsGuardian Protect your cards from fraud with our free text message service. For more information go here
Card Activation 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".
EMV Chip Card PFCU is very excited to offer our members the added protection that a chip card provides. There are a few things to know about your new card. The card has an embedded microchip that turns your PFCU card member information into a unique code that is used to obtain approval for your transaction. For the card reader to read the chip, insert your card into the terminal and press the green button to accept the amount. Be sure to leave your card in the terminal and wait for authorization before removing your card. Removing it too soon can damage the chip. For a visual on how to use your card, click here.
The other thing to know is that your PFCU Visa card will retain all of its features and benefits as before.
Merchants in the US are slow to adopt the EMV card but your PFCU card still has a magnet strip on the back that can be used at traditional 'swipe' terminals. EMV cards have been used outside of the US for years due to the added security and reduced fraud. If you are traveling overseas, be sure and update your card to an EMV chip card.
Apple Pay now available for Visa Credit and Debit cards. Offering an easy, secure & private way to pay. Click here for more details.