Credit Cards
Choose the low rate card that’s right for you
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.
- 074) Please see the Visa® Guide to Benefits
- 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.
- 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 14.49% to 17.49% 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 15.49% to 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.
- 078) Certain restrictions apply. View World+ Travel™ benefits term and conditions 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 12.49% to 17.49%. 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 13.49% 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.
- 080) Cash Back Program Rules. View Visa® Guide to Benefits for details.
- 082) Co-applicant (parent/guardian) required if member is under the age of 21 and cannot show proof of income. Otherwise co-signer is optional.
- 083) 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.
- 115) All Provident Credit Union loans subject to credit approval. Some restrictions may apply.
- 116) Some restrictions may apply.
- 234) Business Visa Guide to Benefits
- 235) View Provident Visa® Terms and Conditions for details.
- 236) View Provident Visa® with Rewards Terms and Conditions for details.
- 237) Provident Business Rewards Visa® Terms and Conditions
- 238) Provident Business Share Secured Visa® Terms and Conditions
- 239) Provident College Visa® Terms and Conditions
- 240) Provident Share Secured Visa® Terms and Conditions
Earn rewards, cash back or pay for business expenses
Provident offers a full range of Visa® credit cards115. Whether you want to earn rewards, cash back or pay for business expenses. Provident Credit Union Visa® Credit Card Benefits:
- No foreign transaction fees
- Mobile and online services including card activation, card controls, travel notice, reporting lost, stolen or damaged cards, balance transfers, dispute transactions and much more
- Use with your Digital wallet including: Apple PayTM, Google PayTM, Samsung Pay, and Visa Checkout®
- Transaction alerts via email or SMS text message011
- Automated Fraud alerts
- Merchant discount program: Visa Discounts
- Complimentary access to ID Navigator powered by NortonLifeLock™
- Zero Liability Fraud Protection Guarantee
- 24/7 call support at (800) 790-7728
Features
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Unlimited 1.5% cash back on all purchases
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No annual fee
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No merchant categories to choose from to earn rewards
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No caps or restrictions
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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.
Features
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0% APR on purchases and balance transfers for 12 billings cycles077
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Earn 20,000 bonus points073 when you spend $3,500 within 60 days of account opening
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Credit for TSA Pre✓ ® or Global Entry076
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Complimentary annual membership with Priority Pass075
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Redeem your points at CURewards.com
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Complimentary access to ID Navigator powered by NortonLifeLock™

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
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Credit limits up to $35,000115
- Choice between low rates or rewards points
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Option to earn reward points towards travel and merchandise with every purchase, through CURewards.
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$1 million travel accident insurance116
- Enjoy all the benefits common to every Provident Credit Union Visa®
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Complimentary access to ID Navigator powered by NortonLifeLock™
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.
Features
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Very low rates
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Qualify with no credit history
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Plus enjoy all the benefits common to every Provident Credit Union Visa
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Complimentary access to ID Navigator powered by NortonLifeLock™

Provident Share Secured Visa®
Enjoy the purchasing power and flexibility of a credit card using the secured funds from your Provident Savings account.083
Features
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Qualify with little or no credit history
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Credit limit of $1,500
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Optional parent/guardian co-applicant082
- Enjoy all the benefits common to every Provident Credit Union Visa®
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Complimentary access to ID Navigator powered by NortonLifeLock™

Provident College Visa®
Designed to help college students build credit for the future.
Features
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Credit limits up to $50,000
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Earn reward points towards travel and merchandise with every purchase, through CURewards. You earn 1 point for every $1 spent. All rewards earned will roll up to the primary card.
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No cost for employee cards
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Visa SavingsEdge® exclusive discounts and offers
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Enjoy all the benefits common to every Provident Credit Union Visa®
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Complimentary access to ID Navigator powered by NortonLifeLock™
Bring your completed application to any Provident Credit Union branch or schedule a virtual appointment.

Provident Business Rewards Visa®
Simplify bookkeeping, control expenses and earn 1 point for every $1 spent with no limits or caps. If you wish to provide cards for additional employees, you’ll be able to track expenses and cash flow with both individual statements and a summarized statement for all cards.
Features
- Credit limits up to $50,000
- Competitive low rates
- Qualify with no credit history
- No cost for authorized user cards
- Visa SavingsEdge® exclusive discounts and offers
- Enjoy all the benefits common to every Provident Credit Union Visa®
- Complimentary access to ID Navigator powered by NortonLifeLock™
Bring your completed application to any Provident Credit Union branch or schedule a virtual appointment.

Provident Business Share Secured Visa®
Enjoy the purchasing power and flexibility of a credit card using the secured funds from your Provident Business Savings account.83 A convenient way for small businesses and non-profits to track expenses and cash flow.
Report a Damaged, Lost or Stolen Credit Card
Report your credit card lost or stolen through online banking or our mobile app