Provident Credit Cards (Visa)

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All Provident VISA Cards 

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All Provident Credit Union Visa cards carry these benefits:

  • No foreign transaction fees
  • 2% rate discount for the first 6 months on purchases and balance transfers*
  • Card Controls to block or unblock your card incase it's misplaced or lost
  • Travel Notice to notify us of your travel plans by adding, deleting or updating at any time via online or in our mobile app
  • Online banking and mobile service: e-Statements, Card Controls, card activation, and much more.
  • Use with your digital wallet including: Apple Pay, Google Pay™, Samsung Pay, and Visa Checkout.
  • Transaction alerts via email or SMS text message to help manage and track spending while providing an early warning for potential fraudulent activities. More
  • Merchant discount program: Visa Discounts
  • Cash advances available online, by phone, and at any financial institution that offers Visa
  • Overdraft protection for Provident Credit Union checking accounts
  • Zero Liability Fraud Protection Guarantee.
  • 25-day grace period to repay your balance for new purchases before a finance charge on purchases will be imposed
  • 24/7 access by phone and online, including advances, account information, and transfers to and from other accounts

24/7 call support at (800) 790-7728

*Applies only to Provident Visa® Business Rewards, Provident Visa® Rewards and low rate, and College Visa® credit card. Signature Visa® Cash Back credit card offers a 14 month 0% APR on purchases and balance transfers. View Cashback for more details. Signature Visa® World+ Travel credit card offers a 12 month 0% APR on purchases and balance transfers. View World+ for more details.

Compare Provident Visa Credit Cards

Select up to three credit cards and compare their rates and special offers to choose the card that's right for you.

Click on an item below for a full description:

Provident World+ Travel VISA 

The Provident World+ Travel™ credit card is a traveler's dream. Earn 2 points on all travel related purchases and 1 point for everything else. Enjoy no interest on purchases and balance transfers for the first 12 billing cycles.

 

  Rewards Annual Fee Intro APR Intro Bal. Transfer Features
Provident World+ Travel™
  • 2 pts for travel related purchases; 1 pt for everything else.
  • 20,000 bonus pts with $3,500 in purchases
$45 (1st year free) 0% for 12 billing cycles 0% APR for 12 billing cycles
  • Credit for TSA Pre ® or Global Entry membership
  • VIP airport lounge access
  • Discounts on luxury hotels and free concierge service
  • Travel related insurances and services
Wells Fargo Propel American Express
  • 1 pt for everything 2 pts for dining 3 pts on gas.
  • 20,000 bonus pts with $3,000 in purchases
$45 (1st year free) 0% for 12 billing cycles 0% APR for 12 billing cycles
  • Credit for TSA Pre ® or Global Entry membership
  • $100 airline incidental fee allowance (baggage fee, lounges, meals, etc.) per year
  • Discounts on luxury hotels and free concierge service
  • $100 off on air & hotel packages
Chase Sapphire Preferred
  • 1 pt for everything 2 pts for dining & travel.
  • 50,000 bonus pts with $4,000 in purchases
$95 (1st year free) N/A N/A
  • Zero liability
  • Fraud alerts
  • Purchase and price protection
  • Auto rental collision damage waiver
CapitalOne Venture
  • 2 pts and 50,000 bonus pts with $3,000 in purchases
$95 (1st year free) N/A N/A
  • Travel upgrades and savings
  • Special access to events and shopping discounts
  • 24 hour travel assistance
  • Fee concierge service
American Express Platinum Card
  • 1 pt for every dollar spent 2 pts for hotel collection.
  • 60,000 bonus pts with $5,000 in purchases
$550 N/A N/A
  • Credit for TSA Pre ® or Global Entry membership
  • Airport lounge access
  • Starwood Guest Gold membership and Hilton Honors Gold status
  • $200 airline fee credit on bags, food, etc as statement credit
Bank of America Signature Travel Rewards
  • 1.5 pt for every dollar spent.
  • 20,000 bonus pts with $1,000 in purchases
$0 0% for 12 billing cycles N/A

APR (Annual Percentage Rate) is effective as of May 14, 2018 and subject to change.

Rates    Apply

1. Program Rules

2. Visa Guide to Benefits

3. Certain restrictions apply. See Priority Pass™ term and conditions for details.

4. To qualify, the transactions must: (i) be completed using the full Provident World+ Travel™ Credit Card 16-digit Card number referenced during the Program period; (ii) post to the Provident World+ Travel™ Credit Card account referenced during the Program period through Statement Credit; and (iii) be identified as a "Qualifying Transaction" based on the information available on Visa's proprietary network (VisaNet). See full terms and conditions for details.

5. Certain restrictions applies. View benefits term and conditions for details.

* Twelve (12) months introductory rate of 0% APR based on your credit worthiness. After that, the APR will be as low as the current rate based on your credit worthiness. 0% Introductory APR balance transfer rate for transfers made within 60 days of the account opening. The promotional rate of 0% APR will remain for 12 months from each qualifying balance transfer transaction. There is a balance transfer fee of either $12.00 or 2% of the amount of each transfer, whichever is greater. Balance transfers from other Provident Credit Union accounts do not qualify for the 0% Introductory APR. Balance transfers conducted after account opening will minimize the period of the introductory rate. E.g, if the transfer takes place a month after account opening, the promotional rate will only be for eleven (11) billing cycles. Balance transfers are made available at our discretion. All balance transfers are subject to the standard balance transfer APR after the introductory period. Introductory rate only applies to new account holders and excludes transfers from other Provident accounts. If you default under your card agreement, you may lose any promotional APR on the balance transfer.

Provident Cash Back VISA 

The Provident Signature Cash Back Visa® credit card offers unmatched financial power for everyday purchases with no interest on purchases and balance transfers for the first 14 billing cycles.

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • No categories to choose from
  • No caps or restrictions
  • No foreign transaction fees
  • 0% introductory APR for the first 14 months*
  • 0% introductory APR on balance transfers for 14 months**

 

  Premium w/ Rewards Intro Purchase Rate Intro Bal. Transfer Rate Purchase Rate Bal. Transfer Rate Cash Back
Provident Signature Cash Back Yes 0% for 14 months* 0% for 14 months** 12.74%–18.00% 13.74%–18.00% 1.5% with no caps or categories
Bank of America Cash Rewards No 0% for 12 months 0% for 12 months 13.49–23.49% 13.49–23.49% 1% (2-5% on select merchants, max 1.5K)
Wells Fargo Cash Wise No 0% for 12 months 0% for 12 months 13.49–25.49% 13.49–25.49% 1.5%
Capital One Quicksilver Rewards No 0% for 9 months 0% for 9 months 13.49–23.49% 13.49–23.49% 1.5%
U.S. Bank Cash+ Yes None None 13.49–23.49% 13.49–23.49% 1% (2-5% on select merchants, max 2K)
Chase Freedom No 0% for 15 months 0% for 15 months 15.49–24.24% 15.49–24.24% 1% (5% on select merchants, max 1.5K)
StarOne Visa Signature Rewards Yes None 0% for 15 months 8.75% 8.75% 1.25% Reward Points

 

Being a Signature Cash Back cardholder entitles you to numerous perks and services that are exclusive to Signature cardholders.

Rates    Apply

All Provident Credit Union loans subject to credit approval.
APR (Annual Percentage Rate) is subject to change.
* Fourteen (14) months introductory rate of 0% APR based on your credit worthiness. After that APR will be as low as the current rate based on your credit worthiness.
** 0% Introductory APR balance transfer rate for transfers made within 60 days of the account opening. The promotional rate of 0% APR will remain for 14 months from each qualifying balance transfer transaction. There is a balance transfer fee of either $10.00 or 2% of the amount of each transfer, whichever is greater. Balance transfers from other Provident Credit Union accounts do not qualify for the 0% Introductory APR. Balance transfers conducted after account opening will minimize the period of the introductory rate. E.g, if the transfer takes place a month after account opening, the promotional rate will only be for thirteen (13) billing cycles. Balance transfers are made available at our discretion. All balance transfers are subject to the standard balance transfer APR after the introductory period. Introductory rate only applies to new account holders and excludes transfers from other Provident accounts. If you default under your card agreement, you may lose any promotional APR on the balance transfer.
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Provident VISA 

The Provident Visa offers low variable rates along with the convenience and security of a Visa® credit card.

    Apply

All Provident Credit Union loans subject to credit approval.
* Some restrictions may apply.

Provident College VISA 

Our College Visa Card is designed to help college students build credit for the future. It's perfect for buying books and supplies. And you may qualify with little or no credit history.

    Apply*   Provident Credit Union College Student Programs

* Co-applicant (parent/guardian) required if member is under the age of 21 and cannot show proof of income. Otherwise co-signer is optional.

Provident Share Secured VISA 

Our Share Secured Visa allows you to enjoy the purchasing power and flexibility of a credit card using the secured funds from your Provident Savings account,* and you don't even need credit history to qualify.

Your Share Secured Visa payment history is reported to all three major credit bureaus, helping you build or re-establish a positive credit history and earn the privilege to apply for more credit.

    Apply

* Credit union deposit(s) must be pledged to secure the Visa, with a minimum pledge of $600 and at least 120% of the credit line applied for.

Provident Business VISA 

Provident's Business Rewards Visa® credit card allows you and your employees to keep business expenses separate from personal expenses. It is a great tool to simplify bookkeeping and control expenses.

If you wish to have cards for additional employees, you will be able to track expenses and cash flow with both individual statements and a summarized statement for all cards.

Visa Savings Edge

Get automatic savings on purchases. No coupons. No codes. No hassles on your journey to business success. Watch this video about how the Business Visa Savings Edge program works.

Rates    Apply [pdf]   Schedule Appointment

 

Provident also offers HELOCs (Platinum Equity Visa included)

Apply Now!

To apply online for a Visa, click on the apply button below, call us anytime at (800) 632‑4600, option 3, or visit a local community branch during business hours. To receive a credit application by mail, e-mail our Lending Department.

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