Visa® Credit Cards
If you have a credit card with another institution, or are looking to get your first card, see below on how to apply with us today.
A Palmetto Citizens Visa® is a better choice because, in addition to a low interest rate, you will also enjoy:
- No Balance Transfer Fee
- No Cash Advance Fee
- No Annual Fee
- ScoreCard Reward Points
Benefits of a Palmetto Citizens Visa®
With a Palmetto Citizens Visa®, you do not have to worry about any excessive fees. You also earn ScoreCard® Reward Points for every dollar you spend. Points can be redeemed for hundreds of merchandise and travel options. You can combine points with other Palmetto Citizens debit and credit cards (even with other members) for greater reward options.
Online and mobile banking makes it easy for you to view your credit card transactions, pay your bill, analyze your spending, review your statements and set up account alerts.
Our credit card also offers Visa's Auto Rental Collision Damage Waiver. This insurance coverage for automobile rentals made with your PCFCU Credit Card provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.
Other Loan Options
Personal Loans & Lines of Credit - In addition to our credit cards, we also offer fixed rate lines of credit and single advance loans to assist you with your financial needs. These accounts require no collateral and you can borrow up to $18,000 (for approved borrowers).
Visa® Equity - This account works just like a home equity line of credit with all the benefits of a Visa®. Use it to help with home renovations and repairs or just to make everyday purchases. Plus, the interest you pay may be tax deductible.*
Share Secured Visa® - If you are looking for a way to build or rebuild your credit, then a Share Secured Visa® may be a good option. The credit limit of this Visa® is held in a Palmetto Citizens savings account while you build your credit and positive payment history.
Overdraft Protection – An overdraft protection loan is a line-of-credit that is available with a checking account. There is no fee when a transfer is made through online/mobile banking or in an office. A small fee is charged when an automated advance is made to cover a charge. This loan is based on creditworthiness and certain restrictions may apply.
*Consult your tax advisor.
View our Visa® Credit Card Agreement and Disclosure Statement or download a printable PDF.