Pacific Service Credit UnionVISA PLATINUM REWARDSRegistry illustration · issuer artwork unavailable
VISA PLATINUM REWARDSPacific Service Credit Union · state credit union, CA · NCUA 68413
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
Balance transfer
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Foreign fee
Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 10.75%–15.75% variablePACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “APR is variable and ranges between 10.75% and 15.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to”PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | — | no source read | |
| APR for cash advances | 10.75%–15.75% variablePACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “APR is variable and ranges between 10.75% and 15.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to”PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.”PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | $0, No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.”PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | $0, No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.”PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | $0, No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual, balance transfer, foreign transaction or cash advance fees—and the same low rate on purchases and cash advances. Redeem points for travel, merchandise, gift cards or cash back, and enjoy rewards that never expire.”PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsCash advance · Regular; Purchase · Regular | APR is variable and ranges between 10.75% and 15.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “APR is variable and ranges between 10.75% and 15.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to”PACIFIC SERVICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |