Credit Cards

It’s a win-win with our Visa Platinum Credit Cards, whether you choose lower rates or quality rewards.


Partners Financial FCU Visa Credit Cards Options

We are proud to offer two quality credit cards to suit different needs and wants. If you’re not sure which one is right for you, you can easily compare our Visa cards and consider your spending habits. Our Visa Platinum Card offers our lowest possible rate while our Visa Platinum Rewards Card lets you collect points on purchases to redeem for rewards.

Features and Benefits VISA Platinum Card VISA Platinum Rewards Card
8.85% – 17.90% APR* x
9.85% – 17.90% APR* x
Earn standard rewards points x
Choose from rewards like cash, gift
certificates, and travel.

*APR = Annual Percentage Rate. Annual Percentage Rate (APR) based on member’s overall financial profile and credit history. APR will be assessed 1% higher on rewards cards. Rates subject to change. Please consult with a loan officer for full details. Other restrictions may apply.


Benefits of Our Visa Platinum Credit Cards

Both of our Visa credit card options come packed with essential features you shouldn’t go without. See below for all the benefits you’ll receive when you choose our Visa Platinum Credit Cards in Richmond VA.

✔ Competitive Interest Rates

Get a competitive APR on purchases and balance transfers. A low rate means you’ll pay less interest and stay more in control of your payments.

✔ No Application Fee

We want to reward you with a credit card that will make your life easier, so it’s free to apply for our Visa Platinum Card and our Visa Rewards Platinum Card.

✔ No Balance Transfer Fee

Avoid balance transfer fees when transferring high-interest debt to your new Visa card.

✔ No Annual Fee

Our credit card has no annual fee, so you can enjoy all its benefits without having to pay us each year – we know you have more important things to do with your money.

✔ Digital Wallet Options

Add your Partners Financial Federal Credit Union card to Apple Pay® or Google Pay™ and enjoy a new secure way to pay — in-person, in-app, or online.

✔ Accepted Worldwide

Whether you’re in the U.S. or abroad, our Visa cards are sure to be accepted to cover the purchases you want to make.

✔ 25 Day Grace Period on Purchases

You can avoid paying any interest if you pay off your balance before interest starts to accumulate. With Partners Financial, you have a 25-day grace period on your purchases when you won’t be charged interest.

✔ Mobile & Home Banking

Whether you need to bank on the go or from the comfort of your home, we make it easy with our mobile and home banking systems. Just download our app or visit our website to get all of the information you need about your Visa card.


VISA Platinum Credit Card

Our Visa Platinum Card gives you the simplistic spending power you need. Secure a low APR and a competitive interest rate so you can make purchases with confidence.

Low Rate: as low as 8.85% APR

APR As low as 8.85%
Annual Fee $0
Balance Transfer Fee $0
Grace Period Enjoy a 25 day grace period on purchases



VISA Platinum Rewards Credit Card


Our Visa Platinum Rewards Card gives you the spending power you need while earning rewards on your everyday purchases to make your buying experience even sweeter.

When you spend over $15 on products and services, you can earn one point for every dollar spent and then redeem your points for a wide range of quality rewards.

Low Rate: as low as 9.85% APR.

APR As low as 9.85%
Annual Fee $0
Balance Transfer Fee $0
Grace Period Enjoy a 25 day grace period on purchases
Rewards Program Earn 1 point for every $1 spent on transactions $15 and over
Rewards Redemption Redeem your points for travel, gift certificates, gift cards or cash back rewards



FAQ About Credit Cards in Richmond VA

How can I apply for your Visa Platinum Credit Cards?

Simply enter your details into our secure online portal to get started. We’ll quickly review your application and offer you a rate and credit limit. The process is free and fast!

What rate will I get for my credit card?

The annual percentage rate (APR) you get will be based on your credit score and overall financial situation.

What fees do I need to pay on my credit card?

Both our Visa cards offer:

  • No application fee
  • No annual fee
  • No balance transfer fee
  • No cash advance fee

A late payment fee will be assessed for late payments.

Can I use my credit card to build credit?

Yes, all you have to do is make a small purchase each month and pay your minimum balance due on time each month. It’s a good idea to pay off your entire balance in full whenever possible.

How can I choose which Visa card is right for me?

The first step is to choose a friendly, local credit card issuer who can support you through your financial journey.

Then decide if you want to use your credit card only occasionally to make a few purchases or keep it in a drawer for a rainy day. If that sounds like you, you want a simple card with the lowest possible interest rate.

On the other hand, if you plan to use your credit card to make frequent purchases at grocery stores, gas stations, and other shops and even pay bills, you may want the benefits of a rewards card. That way, you can earn points on dollars spent and choose from a wide range of rewards, including travel rewards.

Credit Card Resources

Credit Cards for Those with No Credit

Struggling to get approved for a credit card due to no or little credit history?

Credit Cards for Those with Fair Credit

Transform your fair or average credit into a better financial future, one everyday purchase at a time.

First Time Credit Card Holder Questions

There are some simple questions you can ask that will help you better understand credit cards and how credit works.

Credit Card Balance Transfer

Why pay more than you should when you have the opportunity to transfer your existing credit card balance and get rewarded for it?

Can I Get a Credit Card Today?

The time the process takes depends on you and the credit card issuer—some issuers take more time, some take less.

How to Build Credit With a Credit Card

Many factors affect your credit score, including credit usage. For this reason, consider how to build credit with a credit card.

Report a Lost or Stolen Credit Card

xNeed to report a lost or stolen credit card? No problem, contact us at one of these two numbers depending on the day and time of your call.

Monday – Friday
9am – 5pm
1-888-297-3416 (Within U.S., After 5pm, Weekends & Holidays)
1-206-389-5200 (Outside U.S., After 5pm, Weekends & Holidays)


Transaction Assistance

Need help with declined transactions, authorization restrictions, or fraud blocks? Contact us at one of these two numbers depending on the day and time of your call.

Monday – Friday
9am – 5pm
1-800-547-2183 (After 5pm, Weekends & Holidays)


Activate Your Card

Need to activate a new credit card? No problem, contact us at one of these two numbers depending on your location.

Monday – Friday
9am – 5pm
1-800-290-7893 (Within U.S.)
1-206-624-7998 (Outside U.S.)


Report Fraud

Need to report fraudulent activity on your credit card? Contact us at this number to connect to our fraud department.

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).