VISA Credit Cards

Click Here to access your VISA card information online.

When you use a VISA Credit Card from Peoples Trust Credit Union, you have the freedom to make purchases anywhere in the United States and Canada. It's convenient, safe and easy to use. All three PTCU VISA credit cards feature a 25 day interest free period and NO annual fee.

Application and Disclosure

Apply today for your credit card using our convenient Visa Application. Please review the required Credit Card Disclosure below.

VISA Classic

• Credit Limits up to $5,000
• Low 5.99% Introductory Annual Percentage Rate (APR) for the first six months after the account is opened.
• 13.8% APR (normal rate)
• 24-Hour ATM Access at all machines displaying the VISA logo
• Travel Accident Insurance of $250,000, when you purchase tickets on a common carrier using this credit card
• Auto Rental Collision Damage Waiver Insurance.

VISA Gold

• Credit Limits starting at $2,000
• Low 3.99% Introductory Annual Percentage Rate (APR) for the first six months after the account is opened.
• 12.5% APR (normal rate)
• Travel Accident Insurance of $250,000
• Travel & Emergency Assistance
• Auto Rental Collision Waiver Insurance
• Reward Program*

VISA Platinum

• Credit limits starting at $3,000
• Low 3.99% Introductory Annual Percentage Rate (APR) for the first six months after the account is opened.
• 9.5% APR (normal rate)
• Travel Accident Insurance of $250,000
• Auto Rental Collision Damage Waiver
• Reward Program*

View Credit Card Balance and Make Payments in Home Teller

The "Account Summary" screen in Home Teller shows the balance of your credit card as of the previous business day. You can use the "Account Transfer" feature to make payments on your Peoples Trust Visa Credit Card. The balance shown in Home Teller will be updated on the second business day.

Annual percentage rate (APR) for purchases	VISA Classic 13.80% VISA Gold 12.50% VISA Platinum 9.50%
Introductory APR for the first six months after the account is opened	VISA Classic 5.99% VISA Gold 3.99% VISA Platinum 3.99%
Other APRs	Cash Advances Same as above Balance Transfers Same as above
Interest Free period for purchases	At least 25 days if the New Balance is paid in full by the Payment Due Date
Method of computing the balance for purchases	Average Daily Balance (excluding new purchases)
Annual Fee	None
Minimum finance charge	None
Transaction fee for Purchases None if made in the U.S. in U.S. funds; 1% if transaction is made in a foreign country or in a foreign currency. Late payment fee $25.00 (charged if minimum payment is not received by the 5th day after the due date) Transaction fee for cash advances None if made in the U.S. in U.S. funds; 1% if transaction is made in a foreign country or in a foreign currency. Returned check fee 26.50 Sales draft copy 5.00 Monthly statement copy 3.00

Payment Due Date: The Payment Due Date is the 10th of each month, or the next business day if the date falls on a holiday or a weekend.

Minimum monthly payment: 3% of the outstanding balance or $20, whichever is greater. If your balance is less than $20, your minimum payment will equal the balance amount.

*SCORECARD GIFT & TRAVEL REWARDS
You can earn reward points for all your purchases on your VISA Gold or Platinum credit card.
To access your Score Card Rewards, log-in to: www.scorecardrewards.com
Please note that you must create a separate Score Card Rewards log in for each PTCU Debit or Visa Credit Card that you have. Points can not be combined.