Platinum Visa

The Police Credit Union Platinum Visa® features EMV chip-enabled security, a generous rewards program, and secure online account access for payments and point redemption.

Earn rewards every time you use the card and redeem them for travel, gift cards and name-brand merchandise. It’s time to get more out of your credit card.

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The features and benefits of your new Platinum Visa®

  • Generous rewards program
  • 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
  • Design Your Own Card with a personal photo or one from our gallery
  • Payment Protection Available!
  • EMV chip-enabled security technology

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

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


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.

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:

  1. Enter your card number.
  2. Answer the security questions.
  3. Enter your new custom pin (any combination of 4 numbers).
  4. Re-enter your new PIN.
  5. 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. Applications are subject to terms, conditions and credit approval. You must be at least 18 years of age to apply and show ability to pay, 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 website at