Compare Credit Cards

How do I compare credit cards and choose the best one for me? ⮟

The best Visa credit card for you is the one that has the features and benefits you want and need. When selecting a card, look at everything it offers and compare that to your spending habits. Then select the card that gives you what you need most.

Do you need different credit scores to qualify for different credit cards? ⮟

Both our credit cards are available to members with a range of credit scores. We will look at your entire financial profile when deciding whether or not you qualify for a credit card. Our goal is to ensure you can comfortably keep up with your payments so you can stay on top of your finances and your credit score keeps improving.

Will I get the same APR for both credit cards? ⮟

The starting APR for our Visa Platinum Card is lower than our Visa Platinum Rewards Card, so it’s unlikely you would get exactly the same annual percentage rate (APR) for both cards. Keep in mind that higher credit scores tend to get lower rates, no matter which card you choose.

Do both credit cards have the same fees – or no fees? ⮟

Both our credit cards come with no application fee, annual fee, balance transfer fee, or cash advance fee! You will need to pay a fee if you miss a payment on your credit card or have a returned payment.

Can I transfer balances from other credit card issuers to both Partners Financial FCU cards? ⮟

Yes, you can transfer balances from other credit cards to both our Visa credit cards. You don’t need to pay a balance transfer fee. Just set up your balance transfer and start saving by moving your balances to one of our low-rate cards. The rate you get will be the same for balance transfers, new purchases, and cash advances.

Do Partners Financial FCU credit cards offer introductory rates on balance transfers? ⮟

No, we don’t offer an introductory rate on our credit cards. Instead of offering a low rate only at the beginning, we offer a low rate throughout the life of your credit card. So you don’t have to worry about your rate increasing after 6 or 12 months.

Should I get pre-approved for both credit cards before submitting my final application? ⮟

It’s a good idea to get pre-approved for a credit card so you know what rate and credit limit you’re likely to get. But when it comes to Partners Financial FCU credit cards, it makes sense to compare credit cards first and then apply for only the one you want.

Why is it better to get a credit card from a credit union? ⮟

Credit unions are member-owned not-for-profit financial institutions, so they pass on their profits to their members through lower rates and fewer fees. That alone means you’ll save money by financing through a credit union. But there are other benefits too.

Credit unions are known for their outstanding local service and commitment to their community. Loan decisions are made locally and not by an impersonal algorithm, so you’ll have a much more personable experience. We see you as more than just a number. We’ll listen to your story and help you get the products and services you need.