Visa Platinum Rewards Simply Rewarding

It’s one of the best cards in the industry and just right for the member that is looking for a low monthly interest rate and a comprehensive rewards program with a cash back option and no annual fees.
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Other Benefits


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 requests or to dispute a charge.

Online Access

You can conveniently review your Visa transactions, payments and statements in your online banking account. If you aren’t enrolled in online banking, you can continue to manage your account with Visa online card management.

Verified By Visa

Once you receive your credit card we encourage you to sign up for Verified by Visa. This is a free service that will provide you an extra layer of protection when you use your credit card for online purchases.

Zero Liability

Visa’s Zero Liability Policy guarantees that you will not be held responsible for fraudulent charges made with your card or card information.

Auto Rental Collision Waiver Program

Protect yourself against collision or theft with Visa’s Auto Rental Program.
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UChoose Rewards

Program Summary

UChoose Rewards is everything you would want from a rewards program and more. How would you like to participate in a program that gives you a 1% cash back option on all your purchases? Or allows you to save your points for a dream vacation, merchandise, event tickets, gift cards and so much more.

All you have to do is register your card at and use your Platinum Rewards Card everywhere Visa is accepted.

More Ways to Earn

All cards within an account automatically earn points together. If you would like to pool your points with another account, just go to the profile page of and click on the learn how link.

Redemption Overview/Examples

1% Cash BackEarn 1% Cash Back on all your purchases. Redeemable in the form of a statement credit. Minimum redemption is $25.00.
TravelAirline Tickets, Hotels, Rental Cars, Cruises and Travel Packages (Airline Ticket to Orlando starting at approximately 43,000 points)
MerchandiseElectronics, Computers, Jewelry and Music (Apple iPad starting at approximately 46,785 points)

Redeem your points online for any available Best Buy product and you can pick it up in-store that day! Now that’s convenient.
Event TicketsSports, Concerts, Theater, Las Vegas Shows and NASCAR (Las Vegas Show starting at approximately 4,318 points)
Register your card at to preview thousands of redemption options.

Shopping, Earning and Redeeming on the Go.

Download the app for your iPhone or Android now!
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UChoose Rewards FAQs

Frequently Asked Questions

What is UChoose Rewards®?

UChoose Rewards is a rewards program where you earn points for shopping and using your Picatinny Federal Credit Union Visa Platinum Rewards Card.** Then redeem your points for anything of your choice from a huge online rewards catalog of travel, merchandise, gift cards or 1% cash back, which will be applied as a credit to your account.

How do I earn points?

You’ll receive 1 points for every $1 you spend. Plus, you can earn even more points when you shop online at participating retailers like Dell, Macy’s, Walmart and many others. You must register your card at to start earning and redeeming points.

Where can I earn points?

You earn points anywhere your Visa card is accepted.

When can I redeem my points?

You must accumulate 2,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points” at the top of any page on the website to see how many points you have available for redemption. It can take up to 40 days for your points to be credited to your account.

Can I share points with family members?

Yes, all cards within an account automatically earn points together. If you would like to pool your points with another account, just go to the profile page at and click on the learn how link.

What can I redeem my points for?

You can choose from millions of options, whether it’s merchandise, travel, activities, event tickets and so much more! You can even choose to redeem your points for cash back where a credit will be applied directly to your credit card account. Simply visit the Redeem Points page and click on the category that suits your interests.

UChoose Rewards will track of all the points you earn and will guide you through the redemption process.

Where can I view my point activity?

You can access the history of your point activity on the Point Details page.

What if I shopped at a participating retailer, but my points aren’t showing up?

It can take up to 40 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 40 days, contact UChoose Rewards for assistance at

How much does it cost to participate?

There’s no cost. Membership in UChoose Rewards is absolutely free for Picatinny Federal Credit Union cardholders, so start shopping and earning today.
What if I have another question?
If you have other questions not answered here, you can contact your UChoose Specialist at

Visa Platinum Card Overview

Annual Percentage Rate (APR)9.90%
APR for cash advances10.90%
Penalty APRNone
Balance Transfer FeeNone
Annual FeeNone
10 Day Grace Period on Monthly Payments$20.00 Late Fee (10 days after due date)
Cash Advance Limit Up to 20% of Total Credit Line
ATM Cash Advance Limit$500.00 per day

* APR=Annual Percentage Rate. 9.90% APR for purchases and balance transfers. New cardholders must register their Visa Platinum Rewards Card at to begin earning Rewards Points. VISA application must be completed by the member and approval will be based on PFCU underwriting guidelines. 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 and take advantage of this offer.

** UChoose Rewards® points earned only on purchases, not cash advances or balance transfers.