Credit cards for what’s next
With our Platinum Rewards Mastercard®, you can turn everyday spending into everyday rewards.
We have a credit card that works for you
From building credit to earning rewards, our credit card options are designed to support your financial goals with flexibility and security.
Platinum Rewards Mastercard®
Earn points on the purchases you already make, enjoy exclusive Palisades Credit Union member perks, and get the convenience you need—all in one powerful card.
- Earn rewards on every purchase
- Save with no annual fee
- Enjoy worldwide acceptance
- Save on interest charges by transferring your existing balances
- Have peace of mind with fraud protection
Secured Mastercard®
Our Secured card is the perfect solution for those looking to establish or improve their credit history.
- Build credit responsibly—your card history reports to all three major credit bureaus
- Enjoy no annual fee or maintenance charges to your account
- Determine your own limit with a refundable security deposit
- Gain peace of mind with comprehensive fraud protection
- Transition easily to an unsecured credit, subject to approval
“I have been a member of PCU for many, many years now and each time I need a loan, have a question, or need assistance with any financial matters, the staff have always been there to assist and understand my situation. This time was no exception. Andre was extremely professional, kept in touch with me each step of the way, and was very knowledgeable with his answers and direction to all my needs and concerns. Exemplary staff members like Andre are the reason I kept my account with the credit union when I relocated to North Carolina.”
- Kim S.
- Palisades CU Member
The rewards add up, fast
Earn every time you shop, dine, fill up, or book.
Travel expenses such as plane tickets, hotel rooms, and rental cars
Merchandise from your favorite stores
Gift cards for popular brands
Cash back to apply toward your statement balance
Note: Secured Mastercard® is not eligible for rewards
Learn, grow, and thrive
From budgeting tips to credit-building advice, we’re here to help you make smart financial decisions with confidence.
Current credit card rates & fees
| Product | APR 1 |
|---|---|
| Platinum Rewards MasterCard | 15.74% – 17.99%, variable rate based on the Prime Rate 3 |
| Interest Rates & Fees | Platinum Rewards MasterCard | Secured MasterCard |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases | 15.74% – 17.99% based on creditworthiness. Variable based the Prime Rate. 3 | 17.99% |
| Annual Percentage Rate (APR) for Balance Transfers | 17.99% | 17.99% |
| Introductory Balance Transfer APR & Terms | 0% introductory APR for 15 months. After introductory period, standard balance transfer APR will apply. | 0% introductory APR for 15 months. After introductory period, standard balance transfer APR will apply. |
| Annual Percentage Rate (APR) for Cash Advances | 17.99% | 17.99% |
| Annual Fee | $0 | $0 |
| Balance Transfer Fee | 3% of the amount of each transfer, or $5, whichever is greater | 3% of the amount of each transfer, or $5, whichever is greater |
| Cash Advance Fee | 3% of the amount of each transfer, or $5, whichever is greater | 3% of the amount of each transfer, or $5, whichever is greater |
| Foreign Transaction Fee | 1% of each transaction in US dollars | 1% of each transaction in US dollars |
| Late Payment Fee | Up to $25 the first time payment is late 1 day or more. Subsequent late payments within the following 6 billing cycles will be charged $35 for each late payment. | Up to $25 the first time payment is late 1 day or more. Subsequent late payments within the following 6 billing cycles will be charged $35 for each late payment. |
| Returned Payment Fee | Up to $25 the first time payment is returned for any reason. Subsequent returned payments within the following 6 billing cycles will be charged $35 for each returned payment. | Up to $25 the first time payment is returned for any reason. Subsequent returned payments within the following 6 billing cycles will be charged $35 for each returned payment. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on any purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balances transfers on the transaction date. | Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on any purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balances transfers on the transaction date. |
| Earn Rewards on Purchases | Yes – 1 point / $1 in purchases | Not Applicable |
Credit Card FAQs
Common questions about our credit card.
How do I earn rewards?
You earn points for every dollar you spend whether it’s on groceries, gas, travel, or dining. Spending adds up quickly and can be redeemed for cash back, travel, gift cards, merchandise, and more. Secured Mastercard® does not earn rewards.
Is there an annual fee?
No, both of our Mastercard® programs have no annual fee.
Do you offer a Balance Transfer promotion?
Yes! New cardholders can take advantage of 0% APR* for 15 Months with our Balance Transfer Credit Card. This is a great way to save if you’re moving balances from higher-rate cards. Terms apply. Balance transfer offer applies only to Platinum Rewards Mastercard®.
How do I manage my card and track rewards?
Through Digital Banking you can view your credit card transactions, make payments, view statemetns, and track and redeem rewards.
What if I lose my Mastercard®, or it gets stolen?
If you lose your card, please call us at (800) 449-7228, or if you are outside the United States, please call us collect at 727-299-2449. We’re available to help 24/7.
Related products
We’re in your corner
Smarter accounts, real rewards, and the convenient tools you rely on. Get it all from a local credit union rooted in New York and New Jersey.
