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.

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

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
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

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
Today’s rates
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
---|---|---|---|
Rates Effective: January 1, 2023 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 website of the Consumer Financial Protection Bureau at consumerfinance.gov . ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason. |
|||
7.99% - 16.99% |
0.00% Intro Rate until September 30, 2023 and 7.99%-16.99% after that ** |
9.99% - 17.99% |
None |
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
---|---|---|---|
Rates Effective: January 1, 2023 View important Credit Card Disclosures 1VISA® Cashback Credit Card Program Terms Transactions Qualifying for Rewards Awarding of Cashback Rewards Program Limitations and Conditions. ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason. 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% |
0.00% Intro Rate until September 30, 2023 and 9.99%-17.99% after that ** |
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.