Credit Cards

A Credit Card to Fit Your Needs 

Provident has a wide range of Visa® credit cards to choose from, whether you want to start building credit, earn rewards or receive cash back.

Provident Credit Union Visa® Credit Card Benefits:

 

Features

World+ Travel Visa® Signature Card

With this card115 you’ll earn 2 reward points on all travel related purchases and 1 point for all other purchases. Enjoy no interest on purchases and balance transfers for the first 12 billing cycles.

Features

  • Unlimited 1.5% cash back on all purchases

  • No annual fee

  • No merchant categories to choose from to earn rewards

  • No caps or restrictions

  • 0% APR on purchases and balance transfers for 14 billings cycles079
     

Cash Back Visa® Signature

Receive unlimited 1.5% cash back on all purchases. Enjoy no interest on purchases and balance transfers for the first 14 billing cycles.

Disclosures

  • 011) Alerts received via SMS text message may result in a charge from your mobile service provider.
  • 073) Please see World+ Travel™ Program Rules.
  • 075) Certain restrictions apply. See Priority Pass™ term and conditions for details.
  • 076) To qualify, the transactions must: (i) be completed using the full Provident World+ Travel™ Credit Card 16-digit Card number referenced during the Program period; (ii) post to the Provident World+ Travel™ Credit Card account referenced during the Program period through Statement Credit; and (iii) be identified as a "Qualifying Transaction" based on the information available on Visa®'s proprietary network (VisaNet). See full TSA PreCheck® and Global Entry Terms and Conditions for details. TSA PreCheck® and Global Entry benefit limited to one individual per account every 5 years.
  • 077) APR = Annual Percentage Rate. Twelve (12) months introductory rate of 0% APR based on your credit worthiness. Thereafter, your variable APR for purchases will be 18.00% 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 12 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 eleven (11) 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. The standard balance transfer variable APR is 18.00%. 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. View World+ Travel™ Terms and Conditions and World+ Travel™ Credit Card Agreement for details.
  • 079) APR = Annual Percentage Rate. Fourteen (14) months introductory rate of 0% APR based on your credit worthiness. After that, the variable APR for purchases will be 16.24% to 18.00%. 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. After the introductory period, all balance transfers are subject to the standard balance transfer variable APR of 17.24% to 18.00%. 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. 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. View Cash Back Terms and Conditions and Cash Back Credit Card Agreement for details.
  • 115) All Provident Credit Union loans subject to credit approval. Some restrictions may apply.