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Personal Credit Cards

0% intro APR on Balance Transfers until June 2027 and $0 Balance Transfer Fee. Don’t miss out. Offer ends on June 30, 2026!

Apply Now

A credit card makes your day-to-day spending more convenient and makes larger purchases easier to afford. Get the on-tap credit you need to reach your financial goals with a Power Financial Credit Union credit card.

Choose generous cash-back rewards and ultra-low intro rates with our Visa® Signature Credit Card or select a low APR* and $0 balance transfer fees with our Visa® Platinum Card.  Either way, you’ll pay no annual fee. The power to smarter spending is in your hands.
 

You Could Earn Rewards, Save Money And Much More

 
Visa® Signature Credit Card->

Enjoy cash-back rewards and low intro rates.

  • 0% intro APR on balance transfers until June 2027
  • $0 annual fee
  • 0% intro APR on new purchases for 6 months
  • 10,000 bonus points if you spend $3,000 in first 90 days
 
 
Visa® Platinum Credit Card->

Get a low rate for purchases and balance transfers.  

  • 0% intro APR on balance transfers until June 2027
  • $0 balance transfer fee
  • $0 annual fee
  • 0% intro APR on new purchases for 6 months
 
 
Visa® Platinum for Students

Build your credit history and unlock your spending power.

  • $0 annual fee
  • No credit required
  • Interest rate capped
  • 0% intro APR on balance transfers until June 2027
  • 0% intro APY on new purchases for 6 months
 
 
Credit Card Payment
Options-> We make it easy to pay your Power Financial Credit Union Visa Credit Card balance every month, by tailoring your payment options to what works best for you.
 
 

Why Choose a Power Financial Credit Union Personal Credit Card?

Great Introductory Rates

Enjoy low introductory interest rates, giving you the perfect start for purchases and balance transfers.

Balance Transfer Savings

Take advantage of balance transfer offers to consolidate high-interest debt and save on interest payments.

No Annual Fee

With no annual fee, you can maximize your savings while enjoying all the benefits of the card.

Low Variable APR

Benefit from a competitive, low variable APR, ensuring long-term savings on carried balances.

Rewards for Spending

Earn rewards points with every purchase, redeemable for travel, merchandise, and cash.

Easy Payment Options

Enjoy flexible payment options with online, mobile, and automatic payment features for hassle-free management.

Compare & Find the Best Card for You 


 		 Visa® Signature Card Visa® Platinum Card
Apply for this card if: You want cash-back rewards You want a low-interest rate
This card is best for: Good to excellent credit Average to excellent credit
Intro Rate on Balance Transfers 0% intro APR for each qualifying balance transfers until June 2027. Balance transfers must be made by 6/30/2026. 0% intro APR for each qualifying balance transfers until June 2027. Balance transfers must be made by 6/30/2026.
Intro Rate on Purchases 0% intro APR for new purchases for 6 months. Purchases must be made by 6/30/2026. 0% intro APR for new purchases for 6 months. Purchases must be made by 6/30/2026.
Variable APR* 13.49% - 18.00% APR*  11.49% - 18.00% APR* 
Annual Fee $0 $0
Rewards Redeem points for merchandise, travel services, gift cards, or cash  None
Minimum Credit Limit $5,000 $500
Apply now for Visa® Signature Card Apply now for Visa® Platinum Card

Card Management

Manage your PFCU credit card anytime, anywhere. With Card Management, you can easily control your credit card through the Mobile Banking App or Online Banking portal. 

  • Turn your card off to prevent unauthorized transactions.
  • Set spending limits to avoid overspending and stay within your budget.
  • Receive real-time transaction alerts and choose to allow only certain transactions.
  • Notify us when you're traveling to ensure your transactions go through smoothly without any interruptions.
  • Report a lost or stolen card to block it immediately and get a new one sent to you.
When you get a PFCU credit card, you’re in control — Apply for your credit card today or click below to learn more about Card Management.

Learn More



Applying for a Power Financial Credit Union Credit Card is Easy

Step 1

Apply Online

Use our secure online app to apply for your Power Financial Credit Union credit card.
Step 2

Provide Information

You’ll need to provide your ID, proof of address, income, and social security number.
Step 3

Get Approved

We’ll process your card application immediately and notify you of approval.
Get Started

"Power Financial is the best bank for interest rates, fees and customer service. I am proud to be a member."

– Ivonne, Boca Raton, FL.

FAQs About Our Personal Credit Cards

Accordion Section

With the Visa® Signature rewards credit card, you can earn cash-back rewards. You can also earn 10,000 bonus points if you spend $3,000 in the first 90 days. The Visa® Platinum Credit Card does not offer a rewards program.
We offer various payment options tailored to your convenience. You can pay your PFCU credit card balance online, through online banking, our mobile app, or by setting up automatic payments.
The Visa® Signature Credit Card is best for individuals with good to excellent credit. The Visa® Platinum Credit Card is suitable for those with average to excellent credit. Our Visa® Platinum Credit Card for Students is perfect for those with little to no credit history.
Our Visa® Platinum and Signature Credit Cards have variable APRs but unlike some bank and retail credit cards, which can have APRs as high as 30%*, our credit cards are capped at a much lower interest rate.
Power Financial Credit Union’s membership is open to those who live, work or go to school in Broward, Charlotte, Collier, Lee, Martin, Miami-Dade, Monroe, Palm Beach County, Hillsborough, Manatee, Pinellas, Sarasota, or St. Lucie counties.

We're also proud to offer membership to our Select Employee Groups Employees and members of these organizations are always welcome to join, no matter where they live:
  Membership is also open to all immediate family of existing members.
 

Apply Today or Get in Touch for More Information

Apply Online Call: 800-548-5465 Contact Us

See Our Other Quality Loan Options

Home Equity Loans

Access your home’s equity and use the funds to finance large projects, consolidate debt and more!
Learn More

Personal Line of Credit

Put your hands on extra money at a moment's notice, all at a great rate.
Learn More

Signature Loans

Access funds when you need help  based on your credit score. No collateral necessary!
Learn More

Page Disclaimers

Signature - *APR = Annual Percentage Rate. Offer available for new cardholders only. 0% Introductory APR on each qualifying balance transfer until June 30, 2027, billing period. Qualifying new purchases will be 0% APR for the first six months. Balance transfers and new purchases must be made by 6/30/2026 to qualify for the introductory APR rate. After introductory period, variable rate APR for unpaid balance and subsequent purchases and for cash advances and balance transfers will range from 13.49% to 18.00% depending on creditworthiness. Rates current as of May 1, 2026, and subject to change. Cannot be combined with any other offer. Other conditions may apply. Cash advances, credit card checks, and balance transfers do not earn reward points. After the promotional period, the APR will vary with the market based on the Prime Rate. The credit union reserves the right to change or end promotion at any time. 

Platinum - *APR = Annual Percentage Rate. Offer available for new cardholders only. 0% Introductory APR on each qualifying balance transfer until June 30, 2027, billing period. Qualifying purchases will be at 0% introductory APR for 6 months. Balance transfers and new purchases must be made by 6/30/2026 to qualify for the introductory APR rate. After introductory period, variable rate APR for unpaid balance and subsequent purchases and for cash advances and balance transfers will range from 11.49% to 18.00% depending on creditworthiness. Rates current as of May 1, 2026, and subject to change. Cannot be combined with any other offer. Other conditions may apply. After the promotional period, the APR will vary with the market based on the Prime Rate. Power Financial Credit Union reserves the right to change or end promotion at any time. For terms and restrictions for Visa® benefits, please see full details in the Visa® Benefits Information supplied with your credit cards documents.

Please note that existing Power Financial Credit Union credit card holders are not eligible to apply for an additional Power Financial Credit Union credit card.