Pacific Service Credit Union Credit Cards

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Pacific Service Visa Platinum Rewards

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

Visa Processing Network

None Annual Fee

Pacific Service Visa Platinum Rewards

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• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Pacific Service Visa Platinum Rewards Card is a versatile balance transfer, low APR rewards card from Pacific Service Credit Union. The card benefits from a very competitive typical APR on purchases, balance transfers, and cash advances, as well as no annual fee, no foreign transaction fees, and no fees for cash advances or balance transfers. The card also earns one point per dollar spent on purchases – points which apply to rewards such as gift cards, travel, merchandise, cash back, and more.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No annual fee
• No foreign transaction fees
• Low APR

• Regular Purchase APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Cash Advance APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Late Payment Penalty Fee: Up to $10
• Return Payment Penalty Fee: Up to $25

• You meet the membership requirements of Pacific Service Credit Union
• You want a versatile rewards card that also acts as a balance transfer card
• You don’t want the headache of hidden fees
• You do’t want to pay an annual fee

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Pacific Service Visa Platinum Rewards Starter Card

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair

Visa Processing Network

None Annual Fee

Pacific Service Visa Platinum Rewards Starter Card

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• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Pacific Service Visa Platinum Rewards Starter is a reliable entry-level credit card for students or those looking to establish a strong credit history. The card features a low APR from around 9.5% variable and offers no annual fee, no foreign transaction fees, and no fees for balance transfers or cash advances. The card also earns one point for every dollar spent on purchases, which are redeemable towards gift cards, merchandise, travel, and more.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No annual fee
• No foreign transaction fees
• Establish credit with a low APR
• Manageable credit limit

• Regular Purchase APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Cash Advance APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Late Payment Penalty Fee: $10
• Return Payment Penalty Fee: Up to $25

• You’re looking to establish a strong credit history
• You want a reasonable credit limit but a great APR
• You don’t want to pay annual fees or foreign transaction fees

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Pacific Service Secured Visa Platinum Rewards

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required

Visa Processing Network

None Annual Fee

Pacific Service Secured Visa Platinum Rewards

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• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 11.50% to 16.50% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Pacific Service Secured Visa Platinum Rewards Card is a great secured credit card for those looking to rebuild their credit score. The card, which requires a minimum deposit of $500, features the same rewards as other Pacific Service Visa cards, including earning one point for every dollar spent on purchases. Points earned through the Scorecard Rewards program are applicable for rewards such as gift cards, cash back, travel, and more.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No annual fee
• No balance transfer fee
• No cash advance fee
• No foreign transaction fees

• Regular Purchase APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Cash Advance APR: 11.50% to 16.50% variable based on creditworthiness and the Prime Rate
• Late Payment Penalty Fee: Up to $10
• Return Payment Penalty Fee: Up to $25
• Minimum Deposit Required: $500

• You’re looking to rebuild your credit
• You’re already a member of Pacific Service Credit Union
• You don’t want to pay an annual fee
• You don’t like paying fees for balance transfers, cash advances, or foreign transactions

More Details

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About Pacific Service Credit Union

Pacific Service Credit Union is a California-based credit union with its headquarters in Concord, CA. The credit union is the official credit union of the Pacific Gas & Electric Company (PG&E) from which it gets its name.

The history of the credit union dates to 1936. While initially only for employees of PG&E, today membership is a much broader range of members, including anyone who lives, works, worships, or attends school in 12 California counties.

Membership Eligibility

Membership eligibility in Pacific Service Credit Union is available to anyone who meets one of the following criteria:

• Current employees and retirees of Pacific Gas and Electric Company or any of its subsidiaries
• Employees of any of Pacific Services’ partner companies
• Employees of any company that is served by PG&E, including:
  • Temporary employees
  • Contractors
  • Vendors associated with Corestaff
• Anyone who lives, works, worships, or attends school in the following California counties:
  • Alameda
  • Contra Costa
  • Fresno
  • Marin
  • Napa
  • Placer
  • Sacramento
  • San Francisco
  • San Mateo
  • Santa Clara
  • Solano
  • Sonoma
• The immediate family and household members (including roommates) of a current Pacific Service CU member
• Employees (or employers) of public or private energy-based entities located in California or Texas

To join Pacific Services Credit Union, an eligible individual must open an account (no fee required) and present the following information:

• Social Security Number or Individual Tax ID Number
• A valid form of State identification (current ID card or driver’s license)

Branch Locations

While Pacific Service Credit Union has a large geographic footprint, the credit union only has six branches. The credit union also offers members access to shared ATMs and branches at over 5,000 locations across the United States. For more information on branch locations, including directions, opening hours, and more, please visit the credit union’s ATM and Branch Locator page.