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Visa Credit Cards and Awards

Parsons Federal Credit Union offers a diverse group of credit cards that provide a wide range of benefits and rewards.

  • No balance transfer fees
  • No cash advance fees
  • Higher credit limits for Visa Gold and Gold Lite
  • Redeem for gift cards, travel perks and cash back with Extra Awards®

Get more from life. Get Extra Awards® .

Extra Awards® is your points program where every qualifying purchase gets you closer to your dreams!

It's simple. Use a your Visa Gold Credit Card — and watch your points add up. When you're ready to redeem, simply log in to your account, select your award and order. You'll be enjoying life's Extra Awards® in no time! (Your points are good for up to 3 years from date earned.)

You can earn points on your purchases or opt for a simple, secure credit card with no annual or balance transfer fees. Compare cards and learn which may be best for you!

To apply for one of our credit cards on your smartphone, click here. Otherwise, choose from the following drop-down menus to apply for the card you're interested in from your desktop. All loans subject to approval.

Every Visa card comes with peace of mind built in.

With Visa Gold and Visa Gold Lite, you receive protection against identify theft, auto rental collision, and more. To read about these benefits and how to qualify, click here to go direct to Visa's support website.

Visa Classic - Take advantage of a low, non-variable rate

The Parsons FCU Visa Classic credit card offers a great value, with winning features. Take advantage of:

  • Low 13.5% non-variable annual percentage rate (APR)1
  • No annual fee
  • No cash advance fees
  • No balance transfer fees
  • Credit lines up to $5,000
  • 25-day grace period on purchases
  • For your protection, the daily transactions limit is $2,500

1 See our rates.

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Visa Gold - Earn awards points for cash back and travel

Want something more out of your card? A Parsons FCU Visa Gold credit card offers an elite program with low rates, higher credit limits and extra award points! It also boasts features including:

  • Low 12.5% non-variable annual percentage rate (APR)1
  • No annual fee
  • No cash advance fees
  • No balance transfer fees
  • Credit lines from $5,000 to $30,000
  • 25-day grace period on purchases
  • Earn points with our Extra Awards Program. Earn one point for every dollar of purchases and redeem them for travel, gift cards, cash and more!2
  • Lost or stolen card reporting
  • Emergency card replacement and emergency cash disbursement
  • Auto Rental Collision Damage Waiver
  • Travel Accident and Lost Luggage Insurance
  • For your protection, the daily transaction limit is $5,000

1 See our rates.

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2 Extra Award Points expire 3 years (36 months) from the date earned. For example, Extra Award Points earned in November 2020 will expire November 30, 2023. Your monthly Visa Gold Credit card statement will alert you regarding expiring Extra Award Points. You may also view your Points balance online here. For more information on Extra Awards call (877) 909-1450.

Minimum number of Extra Award Points redeemable for cash is 10,000. Maximum number of Extra Awards Points redeemable for cash is 100,000. Expired Extra Awards Points will not be reinstated to your account. Your account must be in good standing (i.e. not delinquent or canceled, or otherwise not usable for charges or other transactions) to redeem Extra Award Points.

Visa Gold Lite - Higher credit limit with low, non-variable rate

If you're interested in a low, non-variable rate credit card, Parsons FCU Visa Gold Lite may be the right card for you. Go Lite, and you still get a lot:

  • Low 9.90% non-variable annual percentage rate (APR)  1
  • No annual fee
  • No cash advance fees
  • No balance transfer fees
  • Credit lines from $5,000 to $30,000
  • 25-day grace period on purchases
  • Lost or stolen card reporting
  • Emergency card replacement and emergency cash disbursement
  • Auto Rental Collision Damage Waiver
  • For your protection, the daily transaction limit is $5,000

1 See our rates.

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Share Secured Visa

Just starting out, re-establishing your credit, or just value the convenience and security of pledged shares? A perfect choice is a Parsons FCU Share-Secured Visa credit card — secured by pledging funds on deposit in your Parsons FCU share savings account equal to 125% of the credit limit that fits your budget. (IRAs and ESOP accounts are not eligible to be used as collateral.) Your Share-Secured Visa payment history is then reported to all three major credit bureaus. Other advantages include:

  • No annual fee
  • Credit limits up to $10,000
  • Low, non-variable 13.50% annual percentage rate (APR)1
  • 25-day grace period on purchases
  • Cash advance privileges with no fees
  • For your protection, the daily transaction limit is $2,500
  • Gold card privileges for limits over $5,000

1 See our rates.

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Credit Builder Visa

At Parsons FCU, we know that the recent economy has hit many people pretty hard — and we'd like to help members who've been affected get back on their feet financially. That's where our Credit Builder Visa Classic credit card comes in.

With built-in benefits you can use on an everyday basis, this card offers valuable opportunities to establish better credit at the same time. It lets you track and manage your credit card activity 24/7 with Online Banking. Plus, you can take advantage of automatic payment options and start rebuilding your credit with automatic monthly reporting to the credit bureaus of your payment history. Other features include: 

  • Maximum credit limit of $500
  • 25-day grace period
  • No annual fees
  • No balance transfer fees
  • No cash advance fees
  • Low, non-variable 13.50% annual percentage rate (APR)1

1 See our rates.

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Additional Visa Information

Traveling Abroad?
Locate International Visa/Plus ATMs here.

Notify Us When You Travel
If you're an existing Parsons FCU Visa Credit or Debit Card holder, notify Card Services if you are traveling so that your spending privileges won't be interrupted. You can do so through online banking and your mobile app under Travel Notification.

Foreign Currency Exchange Rate
Visit Visa's Foreign Currency Exchange website to estimate the rate of exchange when using your Parsons FCU Visa Credit Cards internationally. Visa charges a 1% Currency Conversion Fee.

For after hours assistance with your Parsons FCU Visa Credit or Debit Card, please call:
From within the United States:  (888) 526-0404. From outside the United States:  Toll-Free (206) 352-4954

If suspicious activity is detected on your card, you may receive a text, email, or call from our card processing center to notify you and request for your instruction to authorize or unauthorize the charge(s). 

Card Activation  Parsons FCU urges all credit and debit card holders to activate and sign the back of their cards upon receipt. Technically, merchants are not authorized to accept credit or debit cards that are not signed by the cardholder or have used the signature panel on the back of the card for something other than a signature such as "Ask for ID."

EMV Chip Card  Parsons FCU is very excited to offer our members the added protection that a chip card provides. There are a few things to know about your new card. The card has an embedded microchip that turns your Parsons FCU card member information into a unique code that is used to obtain approval for your transaction.  For the card reader to read the chip, insert your card into the terminal and press the green button to accept the amount. Be sure to leave your card in the terminal and wait for authorization before removing your card. Removing it too soon can damage the chip. For a visual on how to use your card, link to how to use your card click here.