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Credit Cards

Our low interest, low fee cards are a great choice, whether you want to build your credit or earn rewards.

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When used wisely, a good credit card can be a handy tool. We’re proud to offer three different credit cards, all with reasonable rates and great features. Look below to find the card that’s right for you.

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About this card:

  • Annual fee

    Annual fee

  • Introductory APR – Annual Percentage Rate

    Introductory APR period is 12 months thereafter standard APR applies as disclosed during account opening

    Introductory APR – Annual Percentage Rate

    Introductory APR period is 12 months thereafter standard APR applies as disclosed during account opening

  • Variable APR – Annual Percentage Rate

    Variable APR – Annual Percentage Rate

  • Maximum APR – Annual Percentage Rate

    Maximum APR – Annual Percentage Rate

  • Travel Perks and Services

    Travel Perks and Services

  • Auto Rental Collision Damage Waiver

    Auto Rental Collision Damage Waiver

  • Roadside Assistance

    Roadside Assistance

  • Cardholder Inquiry Service

    Cardholder Inquiry Service

  • Emergency Card Replacement

    Emergency Card Replacement

  • Emergency Cash Disbursement

    Emergency Cash Disbursement

  • Balance Consolidation

    Balance Consolidation

  • Annual Activity Summary

    Annual Activity Summary

  • Visa Signature® Perks Events / Offers

    Visa Signature® Perks Events / Offers

  • Visa® Signature Concierge

    Visa® Signature Concierge

  • CU Rewards

    CU Rewards

  • Warranty Manager Service

    Warranty Manager Service

  • Options and perks

    Options and perks

Shared Secured Visa®
Establishes or repairs damaged credit, and is secured by your own funds.

  • Annual fee

    $25

  • Introductory APR – Annual Percentage Rate

    Introductory APR period is 12 months thereafter standard APR applies as disclosed during account opening

    N/A

  • Variable APR – Annual Percentage Rate

    14.99%

  • Maximum APR – Annual Percentage Rate

    18.00%

  • Travel Perks and Services

  • Auto Rental Collision Damage Waiver

    ✔

  • Roadside Assistance

    ✔

  • Cardholder Inquiry Service

    ✔

  • Emergency Card Replacement

    ✔

  • Emergency Cash Disbursement

    ✔

  • Balance Consolidation

    ✔

  • Annual Activity Summary

  • Visa Signature® Perks Events / Offers

  • Visa® Signature Concierge

  • CU Rewards

  • Warranty Manager Service

  • Options and perks

Priority Platinum Visa®
If you carry a balance on your card from time to time, this card offers a lower interest rate.

  • Annual fee

    $0

  • Introductory APR – Annual Percentage Rate

    Introductory APR period is 12 months thereafter standard APR applies as disclosed during account opening

    0.00%

  • Variable APR – Annual Percentage Rate

    6.75%

  • Maximum APR – Annual Percentage Rate

    18.00%

  • Travel Perks and Services

    Travel/Accident Insurance - $100,000

  • Auto Rental Collision Damage Waiver

    ✔

  • Roadside Assistance

    ✔

  • Cardholder Inquiry Service

    ✔

  • Emergency Card Replacement

    ✔

  • Emergency Cash Disbursement

    ✔

  • Balance Consolidation

    ✔

  • Annual Activity Summary

  • Visa Signature® Perks Events / Offers

  • Visa® Signature Concierge

  • CU Rewards

  • Warranty Manager Service

  • Options and perks

Signature Rewards Visa®
Earns points for every dollar you spend. Redeem points for gift cards, travel, merchandise and more.

  • Annual fee

    $0

  • Introductory APR – Annual Percentage Rate

    Introductory APR period is 12 months thereafter standard APR applies as disclosed during account opening

    0.00%

  • Variable APR – Annual Percentage Rate

    8.75%

  • Maximum APR – Annual Percentage Rate

    18.00%

  • Travel Perks and Services

    Travel/Accident Insurance $250,000

    Trip Cancellation $2,000

    Lost Luggage & Buyers Protection

    Travel Emergency Assistance Services

  • Auto Rental Collision Damage Waiver

    ✔

  • Roadside Assistance

    ✔

  • Cardholder Inquiry Service

    ✔

  • Emergency Card Replacement

    ✔

  • Emergency Cash Disbursement

    ✔

  • Balance Consolidation

    ✔

  • Annual Activity Summary

    ✔

  • Visa Signature® Perks Events / Offers

    ✔

  • Visa® Signature Concierge

    ✔

  • CU Rewards

    ✔

  • Warranty Manager Service

    ✔

  • Options and perks

    5,000 Point New Card Bonus!

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Helpful Details

All of our credit cards offer:

Minimal fees

No cash advance fees. 3% balance transfer fee. No over limit fee.

Reasonable rates

As a credit union, we’re committed to offering our members great rates.

A great way to transfer balances

Take advantage of our low 0.00% introductory rate for 12 months, on select card options.

Security features

Embedded chips offer you advanced security.

Pay-by-Phone

Easily pay your credit card bill by phone.

Lost or stolen card reporting

Simply call 1.800.449.7728 to report your card missing.

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Help When We Needed It

“We received a loan when we needed it, just as we were young and starting out. It really helped us get started when we were younger and had two kids. ”

Irene and Ace , Port Orchard

Convenient and Friendly

“The process was really easy, I just went in, talked to a loan person, and I was approved. They were helpful and seemed to really care.”

Travis , Shelton

They Asked Questions, and Found a Better Product

“I came in looking for $500 to pay for some expenses I had. I asked for a signature loan, and while I was there they asked me more questions about what I was trying to accomplish. It turns out a credit card has a better rate than other types of loans, so they helped me out and saved me money. ”

Trish , Port Townsend
second_chance

Get a second chance

Life happens to us all. If you are feeling financially unstable, we can help you make a fresh start, take control of your financial life, and rebound.

LEARN MORE ABOUT OUR SECOND CHANCE PRODUCTS

CU Rewards

Our Signature Rewards Visa® offers points for every dollar you spend. Cash your points in for a wide selection of merchandise, travel, and cash rewards!

VISIT THE CU REWARDS CENTER

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FAQs and Tips

Credit Card FAQs

The due date for all PCU Visa® Credit Card accounts is the 9th of each month.
No we do not charge a cash advance fee.
No, we do not charge an over limit fee.
Yes, you can call PIN Now at 866.886.0083
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Calculators to help you manage credit and debt

Quick Tip

Pay debt with the highest interest rate first

Look at all of your debt, and try to pay the bill with the highest interest rate first. Dollar for dollar it costs you more money each month until you get that paid off. After you pay that off, take the money you were using to pay that bill and add it to another bills payment, before you know it you can be debt free.

SEE MORE TIPS

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Ready to apply for a Peninsula credit card?

Stop by one of our branches
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Apply online
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Call us
1.800.426.1601
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I came to Peninsula and got approved for a loan, and my credit was built up pretty quickly. It’s convenient and the service is really friendly.

Cheri , Port Orchard

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