PFFCU Credit Cards

Take advantage of 0% Intro APR for 9 months, then a variable rate as low as 11.40% APR thereafter on Purchases and Balance Transfers with a PFFCU Rewards Card.*

PFFCU Rewards Visa
Take advantage of 0% Intro APR for 9 months on Purchases and Balance Transfers

then a variable rate as low as 11.40% APR thereafter.1

  • Earn Reward Points redeemable for Cash, Merchandise, and Travel on every qualified purchase2.
    – Earn 1 point for every $1 spent.
    – Points can be redeemable for cash in $50 increments only.
    – Points can also be redeemable for merchant Gift Cards in $50 and $100 increments.
    – CURewards Mall provides more than 15,000 merchant offerings where members can earn additional bonus points!
  • Same low rate for purchases, cash advances, and balance transfers.
  • No balance transfer fee and no cash advance fee.
  • FICO® Credit Score—free access viewable on your monthly statement.3
  • No annual fee.
  • EMV/Chip technology for added security.
  • Visa Checkout, digital payment service. Learn More »
  • Apple Pay, digital wallet. Learn More »
  • Samsung Pay, digital wallet. Learn More »

Apply Now

If you prefer, call 215-931-0300 or 800-228-8801 to speak with a Member Service Representative.

PFFCU Classic Visa

If you are not interested in our Rewards Program, you may apply for a PFFCU Classic Visa Card. This card offers a great, low, variable rate with no annual fee.

Apply Now

If you prefer, call 215-931-0300 or 800-228-8801 to speak with a Member Service Representative.

Lost or Stolen PFFCU Visa Credit Card

To report a lost or stolen PFFCU Visa Credit Card call 800-228-8801.

After normal business hours, to report a lost or stolen PFFCU Visa Credit Card call 800-449-7728.

Credit Card Member Service

During normal business hours, for general questions pertaining to a PFFCU Visa Credit Card call 215-931-0300 or 800-228-8801.

After normal business hours, for general questions pertaining to a PFFCU Visa Credit Card call 855-693-9984.

Frequently Asked Questions

How can I learn more about FICO® Scores?

Click on the documents below to learn more about FICO® Scores:

Lost or stolen PFFCU Credit Card?

To report a lost or stolen PFFCU Visa Credit Card call 800-228-8801.

After normal business hours, to report a lost or stolen PFFCU Visa Credit Card call 800-449-7728.

How do I access my credit card information online?
  1. Log into Online Banking at PFFCU.org.
  2. Click Credit Card tab.
  3. The first time you access the Credit Card tab, you will need to register.
    – Enter your name and email address.
    – Click Submit.
How do I make credit card payments online?

To pay your credit card online, members must first log into Online Banking.

To Make a Credit Card Payment
– Go to PFFCU.org
– Click Credit Card tab
– On the Credit Card Account Home page, choose ONE of the following options:
a. Click Payments tab, select Make a Payment from the drop-down menu
b. In the account summary box, click Make a Payment
c. Under Quick Links, click Make a Payment

What Alert options are available?

Receive real-time alerts when purchases, payments or changes occur on your account. Alerts can be sent to your email address and/or mobile phone.

Five Alerts are available:

  1. Purchase Greater Than
  2. International Transactions
  3. Payment Due
  4. Payment Past Due
  5. Account Over Limit
Visa Credit Card Restriction and Fraud Monitoring

The use of the PFFCU Visa Credit Card is not permitted in specific countries due to a high amount of fraudulent activity. For a listing of countries where your card may not work, click here.

Your PFFCU Visa Credit Card has various fraud detection and prevention measures in place to ensure the security of your account. If a fraudulent charge does occur at home or abroad, you can rest easy knowing you have zero liability4 on any unauthorized purchases when you report unauthorized charges promptly.

 

Do I need to contact PFFCU before traveling outside the country?

Yes. Let us know as soon as possible. Email MemberService@PFFCU.org or call 215-931-0300 so we can help you avoid access issues to your card while traveling.

1. 0% introductory ANNUAL PERCENTAGE RATE (APR) is effective for nine (9) months after account opening. Thereafter the APR for purchases, balance transfers, and cash advances will be a variable rate that may adjust monthly and will be the sum of an “Index” plus a “Margin.” The “Index” for any given month will be equal to the Prime Rate published in the Selected Interest Rates section of the Federal Reserve website at www.federalreserve.gov fifteen days prior to the beginning of each month. If the Selected Interest Rates section is not updated that day, we will select the rate on the next day it is updated. If the Index changes on or before this day in any given month, your APR and monthly periodic rate will change on your monthly periodic statement that is produced on or after the first day of the following month. On March 18, 2019, the applicable Prime Rate was 5.50%. The “Margin” is 5.9%, 9.9%, or 14.65%. Your APR thus equals the Prime Rate of 5.50% plus 5.9%, 9.9%, or 14.65%, with an APR of 11.40%, 15.40%, or 18.00%, depending on your credit score at the time of your application. The maximum APR that We may impose will not exceed that permitted to be charged by a federally chartered credit union, which at the time of this disclosure is 18.00%. The maximum rate on this card will change if the NCUA changes the maximum rate permitted. If the APR increases due to an increase in the Index, you may pay more in finance charges and it may take you longer to pay what you owe in full. To determine the full amount for which you qualify and assess your annual percentage rate, we will need to take a quick application and review your credit report which you authorize us to obtain. Your total combined PFFCU Visa, PLOC, and Signature Loan balance cannot exceed $30,000. This offer is not valid after June 30, 2019 or you have responded to another offer from us within the last 90 days. Offer is valid for PFFCU members who do not have a PFFCU Credit Card. For more details on how the Annual Percentage Rate, Index and Margin are determined, and the impact of any increase, please refer to the CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT. By using the card, you (including any permitted user) agree to be bound by the terms and conditions of the CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT, which you will receive if your application is approved.

2. Qualified purchases do not include cash advances, convenience checks, or returns.

3.  Your FICO® Score will be provided to you for free on your monthly statement and is updated quarterly. You may request to opt out from the FICO® Score disclosure program at any time by notifying us at 215-931-0300 or 800-228-8801 of this preference. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. 

4. PFFCU may impose greater liability on the cardholder if PFFCU reasonably determines that any unauthorized transaction in question was caused by the negligence (which may include your delay for an unreasonable time in reporting unauthorized transactions) or fraudulent action of the cardholder.

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