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Visa Signature Credit Card

Cash-back rewards. Full circle protection. Low intro rate. Our Visa® Signature Credit Cards provide these amazing benefits and so much more.

A credit card should make your purchasing power stronger, easier, and safer. That’s exactly what our VISA® Signature Credit Cards or Rewards Credit Cards do for you. Take advantage of our low introductory rates, free insurance coverage, and no annual fees. But that’s just the beginning of the benefits and perks these cards have to offer.

Why Choose a PFCU Visa® Signature or Rewards Credit Card?

0% Introductory APR*

For purchases made in the first 6 months, a 0% APR applies.

Insurance Protection

You get free insurance coverage for your phone and car.

Remarkable Rewards Redemption

For every dollar spent across any and all categories, earn 1.25 reward points!

24/7 Account Monitoring

Visa® provides round-the-clock fraud monitoring to keep your account safe and secure.

Key Details About Visa® Signature or Rewards Credit Cards

These credit cards reimagine the way rewards and benefits should work! From low APRs to enhanced security safeguards—these cards were built with you in mind.

  • 1.99% introductory APR* on balance transfers for 12 months
  • 4% balance transfer fee or $10 whichever is greater
  • Get 10,000 bonus points if you spend $3,000 in the first 90 days
  • Redeem points for merchandise, travel services, gift cards, or even cash
  • No blackout dates for travel ticket redemption
  • No annual fee
  • FREE cell phone protection insurance

Apply Now

Card Management

Manage your PFCU credit card anytime, anywhere. With Card Management, you can easily control your credit card through the Mobile Banking App or Online Banking portal.

  • Turn your card off to prevent unauthorized transactions.
  • Set spending limits to avoid overspending and stay within your budget.
  • Receive real-time transaction alerts and choose to allow only certain transactions.
  • Notify us when you're traveling to ensure your transactions go through smoothly without any interruptions.
  • Report a lost or stolen card to block it immediately and get a new one sent to you.
When you get a PFCU credit card, you’re in control — Apply for your credit card today or click below to learn more about Card Management.

Learn More



Apply for a Visa® Signature Credit Card in 3 Easy Steps!

Step 1

Become a Member

Check our eligibility requirements to see if you can become a member of our financial community.
Step 2

Apply Online

Click the teal button below to fill out the application form.
Step 3

Start Earning Rewards!

Use your Visa® Signature Credit Card to start accumulating rewards to spend on travel expenses, merchandise, gift cards, and more!

“Been a member for a while, great people and great service. I enjoy this credit union a lot and they treat the people amazing!”

–Rosa C., Miami Gardens, FL

Even More Great Features

Free Travel Cancellation Insurance

Don’t worry about fees if you have to cancel a trip—this card provides free insurance to cover you if you cancel.

Capped Interest Rate

Unlike cards from big banks and retailers, the interest rate is capped at 18.00%.

Auto Collision and Theft Insurance

Enjoy free insurance coverage for auto collision and theft should your car get involved in an accident or be stolen.

Significant Credit Lines

Take advantage of credit lines available from $5,000 up to $40,000.

Life/Disability Coverage

Protect the people and property you love by leveraging our life and disability coverage.

Extra Card Security

Embedded EMV Chip safeguards your personal and financial data.

FAQs About VISA® Signature Credit Cards

Accordion Section

Yes. To be eligible for our credit cards you need to meet membership criteria for joining the credit union. Our membership consists of those who live, work or go to school in Broward, Charlotte, Collier, Lee, Martin, Miami-Dade, Monroe, Palm Beach County, Hillsborough, Manatee, Pinellas, Sarasota, or St. Lucie counties.

We're also proud to offer membership to our Select Employee Groups. Employees and members of these organizations are always welcome to join, even if they don’t have an association with the counties listed above:
 
Immediate family members of existing members are also welcome to join.
Yes, you can apply online from your kitchen table, desk, or even your car—our application form is that simple and quick to fill out!
Yes. There aren’t any penalties if you want to pay your balance in full during any given month.
Yes, but keep in mind that there will be a 3% foreign transaction fee with every purchase.
With a prepaid card, you put money onto the card in advance and then you can only spend whatever amount of money is on the card. Credit cards are different because you’re essentially borrowing money from the financial institution that issued the card, which you will then repay at the end of the monthly billing cycle.

Apply Now or Reach Out for More Information

See Our Other Borrowing Options

Visa Platinum Credit Card

This card is best if you’re more interested in low rates than cash-back rewards.

Credit Card Payment Options

We offer four different ways for you to pay your credit card balance—leaving it to you to decide which one is the most convenient for you.

Signature Loans

With flexible repayment terms of up to 60 months, these loans are ideal for consolidating higher-interest loans or credit card debt.

Page Disclaimers

*APR = Annual Percentage Rate. Offer available for new cardholders only. 1.99% Introductory Balance Transfer Rate will be in effect for 12 months from the date of each qualifying transaction completed within 90 days of account opening. Qualifying new purchases will be 0% APR for the first six months when opening a new Power Financial Credit Union Signature Visa® Credit Card. New purchases qualify based on retailer. Purchases must be made within first six month after the first qualifying transaction date. After introductory period, variable rate APR for unpaid balance and subsequent purchases and for cash advances and balance transfers will range from 15.24% to 18.00% depending on creditworthiness. Rates current as of May 18, 2023 and subject to change. Eligibility for the lowest rate is based on credit worthiness, ability to repay, credit score, and term of loan. Cannot be combined with any other offer. Other conditions may apply. Cash advances, credit card checks, and balance transfers do not earn reward points. After the promotional period, the APR will vary with the market based on the Prime Rate. The credit union reserves the right to change or end promotion at any time. To qualify for benefits of cell phone insurance, cell service provider bill must be billed to a Power Financial Credit Union Visa® Signature Credit Card. The deductible for coverage is $50. Reimbursement for phone replacement or repair may not exceed $250.00 per occurrence with a maximum benefit of $500 per year. To qualify for benefits of rental car insurance, the rented vehicle must have the charge from provider billed to a Power Financial Credit Union Visa® Credit Card. For terms and restrictions for Visa® benefits, please see full details in the Visa® Benefits Information supplied with your credit cards documents.