Picatinny Federal Credit Union offers members a credit option that will support you on your financial journey — wherever you are and wherever you’re going.
Our Premium Rewards Credit Card offers a competitive rate, rewards for purchases, and other benefits including:
- No annual fee
- Auto-enrollment in uChoose® Rewards — redeem points for travel, gift cards, merchandise, Amazon purchases, and more!
- Double points on every purchase
- Points that never expire
- 0% APR* on purchases and balance transfers for the first 12 months
- No balance transfer charge
- Access to cards — monitor credit card usage, review transactions, set spending controls, receive transaction alerts, and more.
- Fraud monitoring program and 0% liability for fraudulent transactions
- Plus! Earn 20,000 reward points after spending $1,000 on qualifying purchases within 60 days of account opening.*
When you become a Premium Rewards cardholder, you’ll also gain access to:
- 24/7 customer service for balance inquiries, payment information, transaction history, statement request, account help, or to dispute a charge: 1-866-795-1412 (U.S.)1-605-782-3554 (international)
- Seamless online and mobile banking experience — view your account details, transactions, statements, and make payments
- Automatic enrollment in Verified by Visa, a free service that provides members with an extra layer of protection when using your credit card online at participating merchants
- Protection by Visa’s Zero Liability Policy, which guarantees that you will not be held responsible for fraudulent charges made to your account
Resources
Check out these topics to help you pick a credit card that fits your lifestyle.
Financial Education
Financial Education
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Security
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Terms and Conditions
uChoose Rewards® Program Terms & Conditions
Amazon.com Conditions of Use
Disclosure:
Disclosures: *APR=Annual Percentage Rate. Loan Rates as of 12/11/2025. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
0% APR is on new purchases and balance transfers for 12 billing cycles for new cardholders. After that, the APR for the Premium Rewards Card will be 15.24% – 18.00%. Offer is for new cards only. The variable rate will be based on PFCU’s underwriting guidelines and your creditworthiness. The APR will vary with the market and is based on the Prime Rate. uChoose® Rewards Points will be earned starting with the first purchase you make with the Premium Rewards card. Rewards points will only be earned on purchases and not balance transfers or cash advances. This offer does not include cash advances, balance transfers or ATM withdrawals. 20,000 uChoose Rewards points will only be applied to Premium Rewards cardholders after spending $1,000 in the first 60 days of card opening. Currently 1 uChoose Rewards® point equals $0.009 for Pay with Points and cash back. All offers and terms are subject to change at any time. New members must open a savings account with a minimum deposit of $5 to begin their credit union membership.
Actual rates may vary on Personal Loan Products.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.