No fees lets you build credit with ease

With a PeoplesChoice VISA credit card, enjoy a low six-month introductory APR of 2.99% and no annual fees. Without costly fees and high APRs, our members save over $250,000 combined each year!

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People's Choice Credit Union platinum preferred credit card.

VISA Credit Cards

A people-first credit union

PeoplesChoice Credit Union members enjoy big savings with no fees, easy access to their accounts online or via mobile app, and personalized, local support from a team right here in Maine.

High savings with a low 2.99% APR

Switch the current balance of your existing card to our Visa credit card and take advantage of a 6-month 2.99% APR introductory rate.

No fees means more savings

We don’t penalize you for banking with us or for mistakes like overdraws – because life happens! No fees means more money in your account.

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

Safety with SecurLOCK

Protect your purchases with our advanced protection technology.

  • Easily disable your card from your phone
  • Set your location and a transaction amount limit
  • Receive merchant alerts

Earn rewards when you spend!

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.

PeoplesChoice vs. Big Banks

Compare benefits, rates, and fees and see how staying local helps you save.

PeoplesChoice Platinum Preferred VISA®

Purchase APR Fixed 9.9% or 13.9% APR*
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

*Purchase APR dependent on credit worthiness
**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.

Open your VISA credit card today

Our online application will walk you through the process, asking for your contact information, income, and history. If you’re not a member of PeoplesChoice yet, once you finish your application, a member of our team will contact you to set you up with a share account.

Apply now

Looking to talk with a member of our team?

We’ll provide you with support whether you’re ready to apply for a credit card today or are shopping around. Fill out the form below and a member of our team will be in contact with you.

Rather chat on the phone? Give us a call at our Saco office!: (207) 282-4156

A person holding up a phone while using People's Choice mobile banking app.
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