Credit Cards for Fair Credit

The Visa Platinum credit card transforms fair to average credit into a better financial future, one everyday purchase at a time.

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People with fair credit can take the solid base they’ve created and improve their credit scores even more. Build credit by paying on time, and enjoy lower interest rates on future loans.


No Additional Fees

The Visa Platinum card comes with no annual fees, no application fee, and no balance transfer fee.

Accepted worldwide

Not only can you shop with your card anywhere you go, you can check your balance and more with mobile and online banking.

25 Day Grace Period

Eligible purchases enjoy a 25 day grace period on interest payments if you want to pay your balance before interest accumulates.

Build Credit

May accurate, timely payments, and when lenders pull your credit report in the future, you’ll enjoy lower interest rates and more affordable payments.


Enjoy Low, Fixed Rates

Visa PlatinumFixed8.85%$0Building credit, routine spending needs, big-ticket items

* Annual Percentage Rate (APR) based on members’ overall financial profile and credit history.
Rewards rate: APR will be assessed 1% higher on our rewards card. Rates subject to change.
Please consult with a loan officer for full details. Other restrictions, terms, and conditions may apply.

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“I tell everyone if they’re looking for a credit union bank, to check out Partners Financial Federal Credit Union.
Thank you all for your ongoing excellent service.”

– Ralph R.


Other Credit Card Offerings:

Partners Financial credit card issuer Visa also offers a cash rewards credit card (as well as other types of rewards)!

Visa Platinum Rewards Card

Earn points and redeem them toward cash back on eligible purchases, as well as travel and gift certificates.

Learn More

Frequently Asked Questions

Credit Cards for Fair Credit FAQs

Does Partners Financial offer introductory rates?

No, our cards don’t come with an introductory rate. That’s because rather than offer a low rate at first, only to change it later, we offer the same low rate–beginning at only 8.85% APR–to members throughout the life of their credit card. That way, you enjoy peace of mind without worrying that your rate will increase after a few months.

What are some additional benefits to a Partners Financial FCU Visa credit card?

You mean besides the low interest rate, beginning at just 8.85% APR?

First of all, there’s choice: in addition to our accessible, inclusive Visa Platinum Card, you can earn cash back, travel rewards, and gift certificates with our Visa Platinum Rewards Card.

Next, there’s affordability. Neither Visa credit card has application fees, no balance transfer fees, or annual fees.

Do you charge any fees on your credit cards?

While we don’t charge annual, application, or balance transfer fees, we do require members to pay late payment and returned payment fees.

Additionally, there may be a replacement fee in the event that your card is lost or damaged.

How do I transfer balances from my other credit cards?

We make it possible for members to transfer balances from their other credit cards to their Visa credit cards with us.

There’s no balance transfer fee, either! Simply set up your balance transfer to move your balances over to your low rate Partners Financial Visa card.


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).