No annual fee, build credit with ease

Spend money on what you want without costly fees and high APRs. Start out with a low 6 month introductory rate of 2.99% APR and no annual fees. Together, our members save over $250,000 each year, avoiding penalties and fees that other big credit companies tack on.

Open Your Account Log In ScoreCard® Rewards

Credit Cards

A fee-free financial future

All the benefits and no fees for real financial freedom.

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

Protect purchases with SecurLOCK

Your money is always secure with our SecurLOCK mobile app. Know when and where your credit card is used, turn it on and off, set a transaction amount, location, and merchant alerts right from your phone.

Download on Apple App Store Download on Google Play Store

Treat yourself to big rewards

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.

Compare cards

Take a look at how our benefits, rates, and fees compare to our competitors’. The smart choice is easy.

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.

Do you have Fraudulent Charges?

To create a claim on up to three POSTED fraudulent charges to your VISA Platinum Credit Card, please call the Self Service Dispute at 800.600.5249.  This service is available 24/7.  You may be transferred to an agent if you have more than three transactions or questions.  An agent is available Monday -Friday 8:00am to 8:45pm and Saturday 9:00am to 2:45pm. You can also contact PCU Payment Services Department, locally at (207) 282-4156 during our normal business hours.

Review Your Agreement

The Credit Card Agreement below provides general information based on our most recent account information and offers.  The agreement is subject to change.  You can request a copy to be mailed by calling 207-282-4156.

VISA Agreement

Choose fee-free and see the savings.

People like you are saving more with fee-free credit cards, high-yield savings accounts, and personalized loan options that suit their needs. Get it all at PeoplesChoice.

Become a Member