Credit Cards

Whether you want to sign-up for your first credit card, earn points on purchases, or anything in between, Picatinny is here to guide you with the sign up process. By offering competitive rates, we’re able to help our members with the important things in life, with the type of credit that fits their lifestyle.

Credit Options that Fit your Lifestyle

Platinum Credit Card

Premium Rewards Credit Card

Make spending fun with points that never expire and no annual fee! Redeem reward points for travel vouchers, gift cards or merchandise through uChoose® Rewards.

  • New Cardholders will now earn 20,000 points when you spend $1,000
  • Earn Double Points on every purchase every day!
  • NO balance transfer charge
  • 0% APR* on purchases and balance transfers for the first 12 months
  • Points don't expire
  • NO annual fee
  • Auto-enrollment in uChoose® Rewards – trade in points for the latest tech, airline tickets, events, and more!
  • NEW: Redeem your uChoose Rewards® points to pay for eligible purchases at
  • Fraud monitoring program and 0% liability for fraudulent transactions

Earn 20,000 points after spending $1,000 on qualifying purchases within 60 days of account opening. *

Terms and ConditionsuChoose Rewards® Program Terms & Conditions of Use


Benefits of a Picatinny Federal Credit Union Credit Card:

  • 24/7 Cardholder Service: Call 1-866-795-1412 (toll free, U.S.) or 1-605-782-3554 (international) for balance inquiries, payment information, transaction history, statement request, account help or to dispute a charge.
  • Online/Mobile Access: Easily view your account details, transactions, statements and make payments online or using the PFCU Mobile Banking app.
  • Verified by Visa: Automatic enrollment in Verified by Visa, a free service that provides our members with an extra layer of protection when using your credit card online at participating merchants.
  • Zero Liability: Visa’s Zero Liability Policy guarantees that you will not be held responsible for fraudulent charges made to your account.
  • Auto Rental Collision Waiver Program: Stay protected against collision or theft with Visa’s Auto Rental Program.

PFCU Protect

PFCU Protect is a free mobile banking app that allows you to control your credit and debit card usage, manage your spending and reduce the possibility of fraud—right from your mobile device. PFCU Protect is offered to all members who have a PFCU credit or debit card.


Premium Rewards: *APR=Annual Percentage Rate. 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 16.99% – 18.00%. 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.

Become a Member Today

We are a not-for-profit, full-service financial institution open to anyone who lives, works, worships or goes to school in Morris, Essex, Somerset and Union Counties. We are proud to offer all the benefits, products, technology, security and convenience of a big bank -- without the big bank headaches, bureaucracy or hidden fees. Join us today!