Provident Credit Cards (Visa)


All Provident VISA Cards

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Provident Cash Back VISA 

The Provident Signature Cash Back Visa® credit card offers unmatched financial power for everyday purchases with no interest on purchases and balance transfers for the first 14 billing cycles.

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • No categories to choose from
  • No caps or restrictions
  • No foreign transaction fees
  • 0% introductory APR for the first 14 months*
  • 0% introductory APR on balance transfers for 14 months**


  Premium w/ Rewards Intro Purchase Rate Intro Bal. Transfer Rate Purchase Rate Bal. Transfer Rate Cash Back
Provident Signature Cash Back Yes 0% for 14 months* 0% for 14 months** 12.74%–18.00% 13.74%–18.00% 1.5% with no caps or categories
Bank of America Cash Rewards No 0% for 12 months 0% for 12 months 13.49–23.49% 13.49–23.49% 1% (2-5% on select merchants, max 1.5K)
Wells Fargo Cash Wise No 0% for 12 months 0% for 12 months 13.49–25.49% 13.49–25.49% 1.5%
Capital One Quicksilver Rewards No 0% for 9 months 0% for 9 months 13.49–23.49% 13.49–23.49% 1.5%
U.S. Bank Cash+ Yes None None 13.49–23.49% 13.49–23.49% 1% (2-5% on select merchants, max 2K)
Chase Freedom No 0% for 15 months 0% for 15 months 15.49–24.24% 15.49–24.24% 1% (5% on select merchants, max 1.5K)
StarOne Visa Signature Rewards Yes None 0% for 15 months 8.75% 8.75% 1.25% Reward Points


Being a Signature Cash Back cardholder entitles you to numerous perks and services that are exclusive to Signature cardholders.

Rates    Apply

All Provident Credit Union loans subject to credit approval.
APR (Annual Percentage Rate) is subject to change.
* Fourteen (14) months introductory rate of 0% APR based on your credit worthiness. After that APR will be as low as the current rate based on your credit worthiness.
** 0% Introductory APR balance transfer rate for transfers made within 60 days of the account opening. The promotional rate of 0% APR will remain for 14 months from each qualifying balance transfer transaction. There is a balance transfer fee of either $10.00 or 2% of the amount of each transfer, whichever is greater. Balance transfers from other Provident Credit Union accounts do not qualify for the 0% Introductory APR. Balance transfers conducted after account opening will minimize the period of the introductory rate. E.g, if the transfer takes place a month after account opening, the promotional rate will only be for thirteen (13) billing cycles. Balance transfers are made available at our discretion. All balance transfers are subject to the standard balance transfer APR after the introductory period. Introductory rate only applies to new account holders and excludes transfers from other Provident accounts. If you default under your card agreement, you may lose any promotional APR on the balance transfer.
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Provident also offers HELOCs.

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 credit application by mail, e-mail our Lending Department.

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