Visa Credit Cards


Visa® Rewards Credit Cards

With our Visa® Rewards Credit Card, you can enjoy all these benefits and more. Shop with confidence and earn rewards every time you use your card! 

Discover the benefits of a credit card from PCT Federal Credit Union:

  • No annual fees

  • Low rates 

  • Potential to earn Visa® Credit Card rewards

    • Earn points by shopping anywhere Visa® is accepted

    • Earn 1 point per $1.00 on every purchase made with your Visa® Rewards Credit Card

    • Combine your PCT Federal Credit Union Visa® Debit and Credit Cards to earn points even faster


Share-Secured Visa®

Time to Focus on Your Credit

Looking for a credit card that can help you establish or rebuild your credit? Discover the benefits of a Share-Secured Visa® from PCT Federal Credit Union:

  • Enjoy the same great rewards as our unsecured Visa® Credit Cards

  • Qualify for a low-interest-rate product by pledging funds in your PCT Federal Credit Union Savings Account

  • Build your credit history with the responsible use of your card

  • Increase your credit score over time and qualify for better rates on future loans

  • Get the convenience and security of a Visa® Credit Card, accepted worldwide

  • Enjoy the peace of mind that comes with knowing your card is backed by funds in your savings account


Balance Transfer

Looking to simplify your finances and reduce high interest rates? A balance transfer from PCT Federal Credit Union could be the answer. 

Here's what you can expect:

  • Say goodbye to transfer fees: We won't charge you any fees to transfer your balance

  • Enjoy a low introductory rate: You'll enjoy a lower interest rate for a certain period, making it easier to pay off your balance faster

  • See immediate savings: You'll start seeing the savings right away, allowing you to take back control of your finances

Product Fixed Rate Max Term Mo. Pmt/$1,000 Details
Visa® Platinum Balance Transfer 4.99% APR* 12 Months $85.60 $15,000.00 Max Credit Line, No Annual Fee
Visa® Gold Platinum Balance Transfer 8.99% APR* 12 Months Varies

Rates & Fees

Annual Percentage Rate Product Rate
Annual Percentage Rate Visa Platinum 9.90%
(APR*) for Purchases Visa Gold 13.90%
APR* for Balance Transfers Visa Platinum 9.90%
(APR*) for Purchases Visa Gold 13.90%
APR* for Cash Advances Visa Platinum 9.90%
(APR*) for Purchases Visa Gold 13.90%

Transaction Fees (Foreign Transaction Fee) - 1.00% of each transaction in U.S. dollars. The effective date is May 1, 2014.