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Visa® Platinum Credit Card for Students

Smart credit. Simplified for students. No credit history required.

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Take your first step toward financial independence with a credit card built to support your goals.

With low interest rates, no annual fees, and flexible qualification options — even for those with little to no credit history — our VISA® Platinum Credit Card for Students makes it easy to build credit while you’re still in school. Whether you have a part-time job, receive family support, or use financial aid, this card is designed to fit your lifestyle and help you manage money confidently.

Why Students Choose Our VISA® Platinum Credit Card?

A Card Built For Students

No hidden fees. No credit history required. Just a team that supports your success and a card that helps you start strong.

Save on Interest

New purchases get a intro 0% APR* for 6 months — giving you room to budget without the high fees.

No Annual Fee

Keep more money in your pocket - enjoy all the benefits of your card with no annual fee, ever.

24/7 Fraud Monitoring

Visa® provides round-the-clock fraud monitoring to keep your account safe and secure.

Your First Credit Card? We Got You.

Hey students! It’s time to build your financial future. Power Financial Credit Union's Visa® Platinum Credit Card for Students is designed just for you. It's easy to get and packed with perks that make managing your money a breeze.

Why You'll Love Our Card:

  • No Annual Fee! Seriously, who needs extra fees?
  • Low Intro Rate: Pay 0% APR* on purchases for 6 months.
  • Balance Transfer Friendly: Lock-in an introductory rate of 0% APR* on balance transfers until June 2027. Plus, no balance transfer fee.
  • Rates Capped: Unlike big banks, our long-term interest rates won’t go crazy high – they’re capped at 18%.
  • Stay Safe: Our low-rate credit card comes packed with security features to keep you and your money safer.
Apply Now

Unlock Your Spending Power

Start building your credit history and gain financial independence. It only takes a few minutes to apply for a PFCU Visa® Platinum Credit Card for Students.  

Here’s What You Need to Qualify:

  • 18+ and a Student: If you're 18 or older and a student in high school, college, or a trade school (full-time or part-time).
  • No Credit History? No Problem! You don’t need a long credit history, just a clean record (no collections or serious delinquencies).
  • US Resident: A valid US address is a must.
  • Proof of Income: Show you have some way to make money (a part-time job or even an allowance from a family member counts).
  • Up to $2,500 Credit Limit: Get some serious spending power to help you out.
Apply Now



Applying for Your VISA® Platinum Credit Card is Easy!

Step 1

Check Eligibility

To become a member, you must meet our broad residence or employment criteria. More details here. If you’re already a member, skip to step 2.
Step 2

Gather Documentation

To apply, you’ll need a social security number and two forms of government ID.
Step 3

Submit an Application

Complete your credit card application online, by visiting a branch or call us for assistance.
Get Started

“I love the ease at which I can move money with PFCU, even to/from another bank! PFCU has helped me with auto loans, credit card, savings, CD, etc. I love knowing they’re in my corner. Dependable, reasonable, friendly and consistent, Power Financial CU is my go to bank!”

– Richy R. Juno Beach, FL.

Additional Features of Our Student VISA® Credit Card

Lines of Credit

Tap extra credit up to $2,500 as you need it to help cover ongoing expenses.

Capped Interest

Unlike cards issued by big banks and retailers, our interest rates top out at 18%.

VISA® Fraud Monitoring

24/7 activity monitoring to protect your card from unauthorized use.

Life/Disability Coverage

Protect your family’s future with opt-in life and disability coverage.

Embedded EMV Chip

Your personal and financial information is protected from unauthorized use.

VISA® Zero Liability

You’ll never be held responsible for unauthorized charges on your card.

FAQs About Our Student VISA® Credit Card

Accordion Section

Anyone who lives, works, or attends school in Broward, Charlotte, Collier, Lee, Martin, Miami-Dade, Monroe, Palm Beach, Hillsborough, Manatee, Pinellas, Sarasota, or St. Lucie counties, and their immediate family members are eligible for membership in Power Financial Credit Union, as well as employees of FPL/NextEra, Ryder System, Sanitas and Bonefish & Tarpon Trust, and their immediate family members, no matter where they live.
Click here to get started with our online application. It only takes a few minutes to complete. You can also visit any of the branch locations to apply in person or call us for assistance.
A card line of credit allows you to borrow money up to a certain limit on a revolving basis. The money can be used to manage ongoing expenses, including consolidating high-interest debt, funding home repairs or education expenses, or managing emergencies. It can be a more efficient and affordable way to manage debt than simply to charge it directly to a credit card.
Your Power Financial Credit Union VISA® Platinum Credit Card comes with a 0% introductory APR* on balance transfers and new purchases. After that introductory period, the APR is variable but remains capped at 18% regardless of the current prime rate or your credit score.

Apply Today or Get in Touch for More Information

Apply Online Call: 800-548-5465 Visit Branch

Explore More Options and Resources for Students

Student Checking

Enjoy no monthly fees, no minimum balance, and more with a Student Checking Account.
Learn More

Student Loans

Borrow up to $100,000 with low interest rates and flexible repayment plans.
Learn More

Auto Loans

Get up to 100% financing on new and used cars with low rates and terms up to 96 months.
Learn More

Page Disclaimers

*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.

1Balance Transfers must be done by 6/30/2026 to qualify for the $0 Balance Transfer Fee.