Platinum Visa

The Police Credit Union Platinum Visa^® features competitive rates as low as 9.25% APR*, a generous rewards program, and secure online account access for payments and point redemption.

To learn more about our contactless cards, click here.

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Not a member yet?

Click here to submit a membership application and take advantage of a Platinum Visa with The Police Credit Union.

The features and benefits of your new Platinum Visa^®

Mobile Payments: Our Platinum Visa card can be loaded to Apple Pay or Samsung Pay for touchless payment where accepted
Earn rewards every time you use your card and redeem them for Amazon giftcards, travel, and more
Automated, immediate fraud alerts help protect your card from suspicious activity
Price protection on purchases
Identity theft coverage
Travel accident insurance included
Lost luggage reimbursement
Warranty Manager Service including Warranty Registration and Extended Warranty Protection
Receive real time email or text notifications with Visa^® Purchase Alerts
Payment Protection

Click here to read The Visa Card Guide to Benefits (PDF)

Rates & Disclosures

Interest Rates and Interest Charges
Standard APR for Purchases, Balance Transfers and Cash Advances	Platinum Visa^®: 9.25% - 18.00% Variable APR based on your creditworthiness. Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal (“Index”). Savings Secured Visa^®: 7.50% Fixed APR.
Penalty APR and When It Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	None
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Fees
Set Up and Maintenance Fee	Annual Fee	None
	Account Set-up Fee	None
	Participation Fee	None
	Additional Card Fee	None
Transaction Fees	Balance Transfer	None
	Cash Advance	None
	Foreign Transaction	1% of foreign transactions in US Dollars
Penalty Fees	Late Payment	$15
	Over-the-Credit Limit	None
	Returned Payment	$25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Visa^® Credit Card Platinum Agreement

Click here to review the Visa^® Credit Card Platinum Agreement (PDF)

Can I change/customize my PIN?

You can easily change or customize your PIN by calling 888.886.0083 anytime 24/7 and following these instructions:

Enter your card number.
Answer the security questions.
Enter your new custom pin (any combination of 4 numbers).
Re-enter your new PIN.
You're done! Your new PIN will work immediately.

What if I forget my PIN?

You may now call 888.886.0083 anytime 24/7 to reset your PIN.

If I'm a secondary cardholder, how do I change my PIN?

After the security questions are answered, you will be prompted to identify which cardholder you are by entering the first letters of your first name using your telephone key pad. The system will confirm which cardholder is calling.

Why is my new PIN not working?

If there have been multiple cards issued for the same cardholder and you have changed your PIN recently, it’s possible you are using the wrong card. Since the chip is unique to the card, the updated PIN only work for the most recently issued card.

Terms and conditions apply. Click here for details.

*APR = Annual Percentage Rate. All new applications are subject to terms, conditions and credit approval. You must be at least 18 years of age to apply, and show ability to repay future balances or apply with a co-signer if you are under the age of 21. Rates, fees and terms are subject to change at any time, for current rates or other information, call us at 800.222.1391 or visit our rates page. 9.25% APR is the best rate and not available to all cardholders. Your Platinum Visa variable rate: 9.25%--18.00% will be based on your creditworthiness and may adjust with the market based on the Prime Rate as published in the Wall Street Journal (“Index”). For complete disclosure, click here.