VISA Credit Cards

VISA® Platinum Credit Cards

The perfect solution for shopping, bargain opportunities, emergencies, and tracking your travel expenses. You’ll save money at a lower rate and enjoy the convenience wherever you go. Choose from three money-saving options with the features and benefits you want.

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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.

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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.

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ScoreCard Rewards?

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.

Manage Your VISA Account Online

You can access your Garden State credit card statements and pay your bill online. It’s an easy and convenient way to manage your account. You can link to your account from PAM Online Banking or our credit card site.

Credit Card APR**
Visa Platinum Rewards 10.90%
APR for Cash Advances 15.90%
Grace Period for Purchases 25 Days
Annual Fee None
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.

*A $10.00 fee will be assessed on accounts that remain inactive for one year.

**APR = Annual Percentage Rate  APY = Annual Percentage Yield. Rates and Terms are subject to change without prior notice. Not responsible for typographical errors. Please call 800-713-2274 to verify rates, dates and other information.

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