Provident Credit Union Visa Credit Cards

Provident Credit Cards (Visa)

All Provident Visa Cards

All Provident Credit Union Visa cards carry these benefits:

Competitive rates, with No annual fee. Same low rates for cash advances, which are available online, by phone, and at any financial institution that offers Visa.
Lower fixed rates on balance transfers with no balance transfer fee
Earn reward points towards travel and merchandise with every purchase,* through CURewards. You will receive one reward point for every dollar you charge. Click here to see how many points you've earned, redeem your points, or browse the catalog.
* Platinum Card holders choose between CURewards points or cash rebates.
New! CardLock — A fraud prevention service that enables you to block and unblock purchase authorizations. More
New! Transaction alerts via email or SMS text message to help manage and track spending while providing an early warning for potential fraudulent activities. More
Internet merchant discount program: Visa Rewards
25-day grace period to repay your balance for new purchases before a finance charge on purchases will be imposed
Overdraft protection for Provident Credit Union checking accounts
24/7 access by phone and online, including advances, account information, and transfers to and from other accounts.
24/7 call support at (800) 790-7728
Lost and stolen card reporting/replacement
Added online security with "Verified by Visa"
Zero Liability Fraud Protection Guarantee

Click on an item below for a full description:

Provident Visa Platinum

Provident Credit Union Platinum is for members who make many purchases each month.

Introductory rate as low as 10.15% APR* for six months
Fixed rate as low as 12.65% APR thereafter
9.9% fixed APR on balance transfers of $1,000 or more**
You select whether to receive up to a 1% cash rebate on purchases (paid annually), or earn reward points towards travel and merchandise with every purchase, through CURewards. You will receive one reward point for every dollar you charge.
$1 million travel accident insurance^†
Auto rental insurance
Plus enjoy all the benefits common to every Provident Credit Union Visa.

Rates Apply

* APR-Annual Percentage Rate which is subject to change. Introductory rate in effect for the first six months. Rate converts to fixed rate after 6 months, currently 12.65 or 13.15% for Platinum.

** APR for Balance Transfers is a fixed rate for Balance Transfers from other lenders. Payments will be applied first to the portion of your balance with the lowest APR. Payment amounts in excess of the minimum monthly payment will be applied to the portion of your balance with the highest APR.

† Some restrictions may apply.

Provident Visa Gold

You will want to choose Provident Credit Union Gold if you carry a balance of $5,000 or more. With this card, the higher your balance the better your interest rate.

Introductory rate as low as 10.65% APR* for six months.

Tiered rates thereafter, based on balance:

	$1.00 - $4,999	14.65% APR*
	$5,000 - $9,999	13.65% APR
	$10,000 and above	12.65% APR

9.9% fixed APR on balance transfers of $1,000 or more**
$400,000 travel accident insurance^†
Auto rental insurance
Travel and emergency assistance
Earn reward points towards travel and merchandise with every purchase, through CURewards. You will receive one reward point for every dollar you charge. Click here to see how many points you've earned, redeem your points, or browse the catalog.
Plus enjoy all the benefits common to every Provident Credit Union Visa.

Rates Apply

*APR-Annual Percentage Rate which is subject to change. Introductory rate in effect for the first six months. Rate converts to fixed rate after 6 months, currently 14.65% for Gold. Rates quoted are our best rates and may increase by as much as 3.35% depending on credit rating.

** APR for Balance Transfers is a fixed rate for Balance Transfers from other lenders. Payments will be applied first to the portion of your balance with the lowest APR. Payment amounts in excess of the minimum monthly payment will be applied to the portion of your balance with the highest APR.

† Some restrictions may apply.

Provident Visa Classic

This is the card for members establishing credit for the first time, members who are rebuilding their credit, and members who just want the convenience of a credit card.

Introductory rate as low as 10.65% APR* for six months
Fixed rate of 16.65% thereafter
Low fixed rate of 9.9% APR on balance transfers of $1,000 or more†
Earn reward points towards travel and merchandise with every purchase, through CURewards. You will receive one reward point for every dollar you charge. Click here to see how many points you've earned, redeem your points, or browse the catalog.
Plus enjoy all the benefits common to every Provident Credit Union Visa.

Rates Apply

* APR-Annual Percentage Rate which is subject to change. Introductory rate in effect for the first six months. Rate converts to fixed rate after 6 months, currently 16.65% for Classic. Rates quoted are our best rates and may increase by as much as 1.35% depending on credit rating.

† APR for Balance Transfers is a fixed rate for Balance Transfers from other lenders. Payments will be applied first to the portion of your balance with the lowest APR. Payment amounts in excess of the minimum monthly payment will be applied to the portion of your balance with the highest APR.

Provident College Visa

Our College Visa Card is designed to help college students build credit for the future. It's perfect for buying books and supplies. And you may qualify with little or no credit history.

Introductory rate as low as 10.65% APR* for six months
Fixed rate of 16.65% thereafter
Credit limit of $500
Earn reward points towards travel and merchandise with every purchase, through CURewards. You will receive one reward point for every dollar you charge. Click here to see how many points you've earned, redeem your points, or browse the catalog.
Plus enjoy all the benefits common to every Provident Credit Union Visa.

Rates Apply Provident Credit Union College Student Programs

* APR-Annual Percentage Rate which is subject to change.

Provident Share Secured Visa

Our Share Secured Visa allows you to enjoy the purchasing power and flexibility of a credit card using the secured funds from your Provident Savings account, and you don't even need credit history to qualify.

Your Share Secured Visa payment history is reported to all three major credit bureaus, helping you build or re-establish a positive credit history and earn the privilege to apply for more credit.

Introductory rate as low as 10.65% APR* for six months
Fixed rate of 16.65% thereafter
Low fixed rate of 9.9% APR on balance transfers of $1,000 or more†
Credit limits up to $5,000‡
Earn reward points towards travel and merchandise with every purchase, through CURewards. You will receive one reward point for every dollar you charge. Click here to see how many points you've earned, redeem your points, or browse the catalog.
Plus enjoy all the benefits common to every Provident Credit Union Visa.

Rates Apply

* APR-Annual Percentage Rate which is subject to change.

† APR for Balance Transfers is a fixed rate for Balance Transfers from other lenders. Payments will be applied first to the portion of your balance with the lowest APR. Payment amounts in excess of the minimum monthly payment will be applied to the portion of your balance with the highest APR.

‡ Credit union deposit(s) must be pledged to secure the Visa, with a minimum pledge of $600 and at least 120% of the credit line applied for.

Provident also offers HELOCs (Platinum Equity Visa included), and up to $10,000 in an unsecured personal VIP Line of Credit.

Apply Now!

To apply online for a Visa, click on the apply button below, call us anytime at (800) 632-4600, option 3, or visit a local community branch during business hours. To receive a loan application by mail, e-mail our Lending Department.

Apply Online Now

Already started an online application? Continue with Existing Application

Provident Credit Cards (Visa)

All Provident Credit Union Visa cards carry these benefits:

Click on an item below for a full description:

* APR-Annual Percentage Rate which is subject to change.

Apply Now!

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