CREDIT | CASHBACK | BUSINESS

Credit Cards

Credit Cards

The most convenient way to shop

Choose from a variety of card options. We have credit cards with low rates, cashback rewards, and business options.

Credit Card

VISA® Credit Card

Our Lowest Rate

  • Cash advances
  • No balance transfer fee
  • No annual fee
  • Transfer balances from your other high-interest credit cards
  • Our Best Rate: 7.99% APR*
  • View current rates and fees
  • Apply online or by phone: 541.850.7799
Cashback Card

VISA® Cashback Card

1% Cashback

  • Earn 1% cash back on all purchases
  • No points to track or redeem, rewards are automatically deposited monthly
  • Cash advances
  • No balance transfer fee
  • No annual fee
  • Our Best Rate: 9.99% APR*
  • View current rates and fees
  • Apply online or by phone: 541.850.7799
Business Credit Card

Business Credit Card

Simple & Secure

  • Cash advances
  • Free e-statements
  • Same low rates for purchases or balance transfers
  • No balance transfer fees
  • No annual fee
  • To apply, call 541.850.7796

myPCFCU Card Controls App

 

Lock Misplaced Cards

Lost card? Temporarily lock it while you search for it

Set Dollar Limits

Block transactions over a set dollar amount

Get Alerts When Card Is Used

Receive alerts via text, email, or push notifications whenever your card is used

myPCFCU Cards Control App

 

Block Purchase Types

Block online, ATM, or international transactions

Manage All You PCFCU Cards In One Place

Set up controls and alerts for all of your PCFCU credit and debit cards in one app

Search For Surcharge Free ATMs

Minimize fees by using one of 30,000+ surcharge free ATMs

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Today’s rates

 

Visa® Credit Card

APR on Purchases

APR on Balance Transfers

APR on Cash Advances

Annual Fee

Rates Effective: July 10, 2020

View important Credit Card Disclosures

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days following Your statement closing date. We will not charge You interest on purchases if You pay Your entire balance owed each month by Your payment due date.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

7.99% - 16.99%

7.99% - 16.99%

9.99% - 17.99%

None

Visa® Cashback Card

APR on Purchases

APR on Balance Transfers

APR on Cash Advances

Annual Fee

Rates Effective: Sept 1, 2022

View important Credit Card Disclosures

VISA® Cashback Credit Card Program Terms
Pacific Crest Federal Credit Union (Credit Union) VISA Cashback Credit Card is governed by the following terms and conditions. By enrolling in the Visa® Cashback program, you (Participant) agree to these terms and conditions.

Transactions Qualifying for Rewards
Cashback Rewards (Rewards) are paid based on Net Purchases. “Net Purchases” are the total Qualifying Purchases made with your enrolled credit card, less any returns, credits or adjustments that are not payments. A “Qualifying Purchase” is any purchase made with your enrolled credit card other than the excluded transactions described below.
The following transactions are NOT Qualifying Purchases and therefore Rewards are not awarded on them: fraudulent purchases, finance charges, other charges, fees, debt protection fees, or cash advances of any kind, including balance transfers, convenience checks, automated teller machine (ATM) and teller withdrawals, and wire transfers.

Awarding of Cashback Rewards
Rewards accrue at 1.00% of the Net Purchases made during a billing cycle. Rewards begin to accumulate with purchases you make beginning on the first day of the billing cycle and ending on the last day of the last billing cycle. Rewards are deposited to your Credit Union Membership Savings Account each month. Rewards accruals are calculated at the end of each billing cycle and will appear on your Membership Savings Account monthly statement. The maximum Reward payable for any billing cycle is $250.00. Rewards do not carry over to future billing cycles.

Program Limitations and Conditions.
We reserve the right to verify and adjust Rewards at any time. If you or we close your enrolled credit card or terminate your participation in the Program, all unpaid Rewards will be forfeited even if your credit card is later reopened or you re-enroll in the Program. Rewards are not transferable and cannot be bought, sold, or credited as payment on your credit card account. Rewards are not your property and have no cash value until deposited into your Membership Savings Account. Any Rewards balance remains the property of the Credit Union until redeemed. Any questions as to what constitutes a Qualifying Purchase shall be resolved at the sole discretion of the Credit Union.
Additionally, a minimum balance of $5.00 is required in your Membership Savings account on the last day of the billing cycle to earn rewards. We reserve the right to refuse Rewards if any of your Credit Union loan accounts are past due, delinquent, or otherwise not in good standing, as determined by the Credit Union. Rewards may be forfeited due to Program Rules violations. This Program is void where prohibited or restricted by law. Participant is responsible for any federal, state or local income or other taxes or gratuities, if applicable. The laws of the State of Oregon govern the Program and these Program Rules.

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days following Your statement closing date. We will not charge You interest on purchases if You pay Your entire balance owed each month by Your payment due date.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

9.99% - 17.99%

9.99% - 17.99%

11.99% - 17.99%

None

Disclosures

*APR is Annual Percentage Rate (APR). Rates and terms provided are estimates. Best Rate may vary based on personal credit history and other factors. Rates are subject to change without notice. Pacific Crest Federal Credit Union membership is required.

You are about to navigate away from Pacific Crest FCU’s website. Clicking on the link will take you to another website that is not operated by Pacific Crest Federal Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Pacific Crest Federal Credit Union’s practices.

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