Visa Credit Card Options

Searching for a credit card to fit your needs? We’ve got options. The Premium Rewards credit card helps you make the most of your spending by earning points that never expire. For our more budget-conscious members, the Personal Choice card helps you take advantage of the lowest available rates and avoid those high interest charges. Happy spending!

Credit Options that Fit your Lifestyle

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Personal Choice Credit Card

Make the choices that make you happy. This card is perfect for daily spending with no annual fee and low rates.

  • 0% APR* on purchases and balance transfers for the first 12 months
  • NO balance transfer charge
  • NO annual fee
  • Fraud monitoring program and 0% liability for fraudulent transactions
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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.

  • Earn Triple Points** on EVERY purchase from now until the end of the year!
  • 0% APR* on purchases and balance transfers for the first 12 months
  • NO balance transfer charge
  • NO annual fee
  • Auto-enrollment in uChoose® Rewards – trade in points for the latest tech, airline tickets, events, and more!
  • Fraud monitoring program and 0% liability for fraudulent transactions

Earn $100 statement credit after spending $300 on qualifying purchases within 60 days of account opening. +

Benefits of Picatinny Federal Credit Union Credit Cards

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  • 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 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.

To directly pay your Visa invoice, click here.

Personal Choice:  *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 Personal Choice Card will be 7.74% – 18.00%. The Personal Choice Card does not accrue points. 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. All offers 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.

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 11.74% – 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. **Triple Points on all purchases will be applied from July 6, 2020, until December 31, 2020. This offer does not include cash advances, balance transfers or ATM withdrawals. +$100 statement credit will only be applied to Premium Rewards cardholders after stated requirements are met. All offers 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.

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 County. 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!
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