Visa Intro APR Offer

Partners Visa® Credit Card Intro APR Offer

At Partners, our everyday low credit card rates are exclusively for Members. With 0% Intro APR* on purchases and 2.99% Intro APR* on balance transfers for the first 12 months, now is the time to get a new Partners Visa Platinum or Platinum Rewards credit card.

Don’t wait long, this offer ends June 30, 2022!

Partners-Visa-Platinum-Card-withImprint

VISA PLATINUM CREDIT CARD

Save with a great low rate, because you deserve platinum. Plan your upcoming summer vacation or consolidate higher-rate credit cards and loan balances from other financial institutions.

Enjoy a Partners Visa Platinum credit card that offers:

  • 0% Introductory APR* on purchases for 12 months
  • 2.99% Introductory APR* on balance transfers for 12 months
  • 7.99% – 17.99% APR* after that, based on your creditworthiness
  • No Balance Transfer fee
  • No Annual fee
  • No Cash Advance Fee
  • Visa’s Zero Liability Policy1

Apply Now    Rates and Conditions

Partners-Visa-PlatinumRewards-Card-withImprint

VISA PLATINUM REWARDS CREDIT CARD

It’s time to reward yourself. Shop online or in-stores, earn one point for every dollar spent for eligible purchases2, and redeem your rewards points for hundreds of options like wearable technology, travel, events, statement credit, and more!

Enjoy a Partners Visa Platinum Rewards credit card that offers:

  • 0% Introductory APR* on purchases for 12 months
  • 2.99% Introductory APR* on balance transfers for 12 months
  • 9.49% – 17.99% APR* after that, based on your creditworthiness
  • No Balance Transfer fee
  • No Annual fee
  • No Cash Advance fee
  • Visa’s Zero Liability Policy1

Apply Now    Rates and Conditions    Rewards Options

All Partners Visa credit cards offer:
• Tap-to-Pay contactless technology
• Partners Online and Mobile Banking account management
• Apple Pay, Google Pay, and Samsung Pay compatability3
• Fraud Alert Protection

 

APPLY TODAY

Schedule an in-branch or virtual appointment with a Partners representative or apply online.

Schedule Now    Apply Now

 

Rates effective May 1, 2022. Call 800.948.6677 for current rate information.

Interest Rates and Interest Charges

VISA Platinum VISA Platinum Rewards VISA Signature VISA Share Secured
*APR = Annual Percentage Rate for Purchases 0% Introductory APR for 12 months from Account opening. After that, your APR will be 7.99% to 17.99%
based on your creditworthiness.
0% Introductory APR for 12 months from Account opening. After that, your APR will be 9.49% to 17.99%
based on your creditworthiness.
14.99%
this APR will vary with the market based on the Prime Rate.
13.90%
APR for Balance Transfers 2.99% Introductory APR for 12 months from Account opening. After that, your APR will be 7.99% to 17.99%, based on your creditworthiness. 2.99% Introductory APR for 12 months from Account opening. After that, your APR will be 9.49% to 17.99%, based on your creditworthiness. 14.99%
this APR will vary with the market based on the Prime Rate.
13.90%
APR for Cash Advances 7.99% to 17.99%, based on your creditworthiness. 9.49% to 17.99%, based on your creditworthiness. 14.99%
this APR will vary with the market based on the Prime Rate.
13.90%
Penalty APR and When it Applies N/A N/A N/A N/A
How to Avoid Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None None None None
For Credit Cards Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Fees

Annual Fee None None None None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your account. Any existing balances on Partners Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date: The information about the costs of the card described in this application is accurate as of April 1, 2022. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Other Fees & Disclosures:
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee: $23.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee: $23.00 or the amount of the returned convenience check, whichever is less.

APPLY TODAY!

Apply Online Schedule Appointment

BALANCE TRANSFERS: YOUR QUESTIONS ANSWERED

Once you have been approved and receive your Partners Visa credit card, you can request a balance transfer using one of the following methods:

• Login to Partners Online Banking at PartnersFCU.Org (Credit Card Account > Card Management > Account Services > Balance Transfer)

• Call the Partners Member Service Center at 800.948.6677

• Visit a Partners Branch

You can transfer balances from other creditors that includes credit cards, personal loans, auto loans and other loan types.

No, balance transfers between Partners accounts are not permitted.

Yes, the minimum transfer amount is $100. Balance transfers may not be completed if they exceed 90% of your credit limit.

No, there is not a balance transfer fee. Balances transferred will be billed interest at a special 2.99% Introductory APR for 12 months from account opening.

If your balance transfer request is approved, the payment to the other creditor may take up to 30 days to be received. Please continue to make payments until you confirm that the payment has been posted.

No, your other creditor account will not close automatically, even if it is paid in full. You will need to call your other creditor to request that they close your account.

    1. With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen or fraudulently used. You must use care in protecting your card and you must notify us immediately of any unauthorized use.
    2. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks.
    3. Apple PayTM is not available in all markets. For a list of Apple Pay countries and regions, click here. Person to person payments and Apple Pay Cash are available only in the U.S. on iPhone SE, iPhone 6 or later, iPad Pro, iPad (5th generation), iPad Air 2, iPad mini 3 or later, and Apple Watch. Apple Pay Cash is a service provided by Green Dot Bank, member FDIC. Some features require specific hardware and software. For more information, see “Feature Requirements“ at www.apple.com/macos/how-to-upgrade.
      Google PayTM is a trademark of Google, Inc. Use of this trademark is subject to Google Permissions.
      Samsung PayTM is only compatible with select Samsung devices. Visit the Samsung Pay Support page a list of compatible devices.