VISA Credit Cards
VISA® Platinum Credit Cards
The perfect solution for shopping, bargain opportunities, emergencies and to track your travel expenses. You’ll save money with a lower rate and enjoy the convenience wherever you go. Choose from three money saving options with the features and benefits you want.
VISA Platinum Rewards Credit Card
- 10.9% APR
- No Annual Fee*
- No Balance Transfer Fee
- 25-day Interest-Free Grace Period On Purchases
- Accepted Everywhere
- Worldwide Cash Advances
- FREE Travel/Accident Insurance
Secured VISA Credit Card
- Rates as low as 10.9% APR**
A secured VISA Credit Card is an ideal way to rebuild or build new credit. How it works: Deposit a specific dollar amount,and we’ll issue you a Secured Credit Card with that same limit amount. For example, if you deposit $500, you’ll have a card with a $500 limit. This way, you can slowly build your credit if payments are made on their due date. This type of loan will build credit, but it does take time. As your credit history is established, we can work to increase your limit. We’ll also report your transaction history to the three credit agencies, which is a plus.
Transfer Balances & Save Instantly!
Every dollar counts in today’s economy. Transfer your higher interest credit cards you have elsewhere to a Garden State VISA. You’ll save money instantly with our lower rates and no annual fee.
ScoreCard Rewards is a rewards program offering Points for qualifying purchases. For every $1 you spend with your Garden State FCU VISA Credit Card, you earn one Point. Points may be redeemed for a merchandise, airfare, hotels, travel packages, and more. Learn more.
Protect Online Purchases With Verified By VISA
When making online purchases, you can get added protection with Verified by VISA. After you enter your payment information online, participating merchants will require you to enter your Verified by VISA password. You create your password when you register. Your password is an extra security step to safeguard your account and purchases. Learn more.
Manage Your VISA Account Online
You can access your Garden State credit card statements and pay your bill online. It’s the easy and convenient way to manage your account. You can link to your account from PAM Online Banking or our credit card site.
|Visa Platinum Rewards||10.90%|
|APR for Balance Transfers||10.90%|
|APR for Cash Advances||15.90%|
|Grace Period for Purchases||25 Days|
|Transaction Fee for Purchases||None|
|Late Payment Fee||$25.00|
|Cash Advance Fee||$10.00 or 2.50% of the amount of each cash advance, whichever is greater.|
|Method of Commuting the Balance for Purchases||Average Daily Balance|
For a complete credit card disclosure, call 800-713-2274.