VISA® CREDIT CARDS
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Visa® Credit Cards
No annual fees, low rate, great rewards. Why look anywhere else! With a credit card from PCT Federal Credit Union, you can experience the freedom of shopping anywhere Visa® is accepted.
Are you getting rewarded for your purchases? Earn 1 point per $1 on every purchase made with your Visa® credit card. Don’t forget to combine your PCT Federal Credit Union Visa® debit and credit cards to earn points even faster! Register your accounts at www.uchooserewards.com to see your points add up.
Share Secured Visa®
Designed to help members establish or rebuild credit, a share secured Visa® offers the same great rewards as our unsecured Visa® credit cards. Qualify for this low interest rate product by pledging funds in your PCT Federal Credit Union savings account.
Balance Transfer
Overwhelmed by multiple credit cards and high interest rates? Take back control of your finances with a balance transfer from PCT Federal Credit Union. With no transfer fees and a low introductory rate, you’ll see the savings immediately.
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases |
Visa Platinum 9.90% Visa Gold 13.90% |
|---|---|
| APR for Balance Transfers (APR) for Purchases |
Visa Platinum 9.90% Visa Gold 13.90% |
| APR for Cash Advances (APR) for Purchases |
Visa Platinum 9.90% Visa Gold 13.90% |
| Product | Fixed Rate | Max Term | Mo. Pmt/$1,000 | Details |
|---|---|---|---|---|
| Visa® Balance Transfer | 4.99% APR | 12 Months | $85.60 | $10,000 Max Credit Line, No Annual Fee |
Transaction Fees ( Foreign Transaction Fee ) – 1.00% of each transaction in U.S. dollars. The effective date is May 1, 2014.