No annual fee, build credit with ease

Spend money on what you want and when you need—without costly fees and high APRs. With a PeoplesChoice Visa credit card, you’ll enjoy a low six-month introductory rate of 2.99% APR and no annual fees. Together, our members save over $250,000 each year, avoiding penalties and fees that other big credit companies tack on.

Transfer today and save more tomorrow

Switch the current balance of your existing card to our Visa credit card and take advantage of a 12-month 2.99% APR introductory rate. Just another reason why people like you choose PeoplesChoice.

A fee-free financial future

All the benefits and no fees for real financial freedom.

  • No annual fee
  • No over-limit or late fee
  • No cash advance fee
  • No balance transfer fee
  • No international transaction fee

Protect purchases with SecurLOCK

Be confident that your money is always secure with the SecurLOCK mobile app. Know when and where your credit card is used with advanced protection technology. Turn your card on and off, set a transaction amount, location, and merchant alerts, and control it all in the palm of your hand.

Treat yourself to big rewards

Every time you use your PeoplesChoice Platinum Preferred Visa card, you’re earning points toward flights, cars, and hotels, electronics, and more. Make your money work for you with VISA ScoreCard® Rewards.

Do you have Fraudulent Charges?

To create a claim on up to three POSTED fraudulent charges to your VISA Platinum Credit Card, please call the Self Service Dispute at 800.600.5249.  This service is available 24/7.  You may be transferred to an agent if you have more than three transactions or questions.  An agent is available Monday -Friday 8:00am to 8:45pm and Saturday 9:00am to 2:45pm. You can also contact PCU Payment Services Department, locally at (207) 282-4156 during our normal business hours.

Review Your Agreement

The Credit Card Agreement below provides general information based on our most recent account information and offers.  The agreement is subject to change.  You can request a copy to be mailed by calling 207-282-4156.

Compare cards

Take a look at how our benefits, rates, and fees compare to our competitors’. The smart choice is easy.

PeoplesChoice Platinum Preferred VISA®

Purchase APR As low as 9.9% fixed
Cash Advance Fee** $0
Balance Transfer Fee** $0
Annual Fee $0
Late Fees $0
Minimum Payment 2% of balance or $20, whichever is greater
Foreign Purchase Transaction Fee mark-up† $0

Other Bank Credit Cards

Purchase APR up to 29.99% Variable
Cash Advance Fee** up to $500
Balance Transfer Fee** up to $300
Annual Fee up to $100
Late Fees $39
Minimum Payment up to 4% of balance
Foreign Purchase Transaction Fee mark-up† $300

**Based on $10,000 advance, transfer or transaction
†1% for advance, transfer, or transaction less than $10,000

Note: Bank Visa rates and fees are based on information from the Federal Reserve. Average credit card interest rate from creditcards.com. PeoplesChoice is not responsible for errors or misrepresentations in this information.

To report a lost or stolen VISA Credit Card please call 1-800-991-4961.

Choose fee-free and see the savings.

People like you are saving more with fee-free credit cards, high-yield savings accounts, and personalized loan options that suit their needs. Get it all at PeoplesChoice.