Credit Cards

Pheple FCU has a Credit Card that will fit your needs.

Platinum Credit Card

  • As low as 9.49% APR*

  • Limits up to $30,000

  • 0.00% APR* Introductory Rate** on purchases for a year

Secured Platinum Credit Card

  • As low as 9.49% APR*

  • Limits up to $30,000

Platinum Credit Card for Students

Designed to help students build good credit with responsible use.

  • Low 7.99% APR*

  • Limits up to $500

Managing your Pheple FCU Credit Card

Your credit card can be accessed through Online Banking or our Mobile App

  • View transactions and statements

  • Make payments

  • Access your credit line instantly with a Balance Transfer through Quick Transfer

For more information on logging into Online Banking or our Mobile App, click here.

Debt Consolidation

Looking to consolidate your debt? Check out our special consolidation options here.

Included with All Pheple FCU Credit Cards

For purchases made using your Pheple FCU Mastercard® credit card, you’ll have new, enhanced benefits, including: 

  • Travel Accident Insurance: Provides cardholders, their spouse/domestic partner, and unmarried dependent children with automatic common carrier accidental death and dismemberment coverage up to $250,000. Also includes $100 per day Baggage Delay. 

  • MASTERRENTAL Coverage: When you rent a vehicle for fifteen (15) days or less, the covered cardholder and those designated in the rental agreement as authorized drivers are covered for physical damage and theft of the vehicle, loss of use charges, and towing charges to the nearest collision repair facility. 

  • Purchase Assistance: Coverage for damaged or stolen items within ninety (90) days of purchase. 

  • Extended Warranty: Double the original manufacturer's warranty for up to twelve (12) months. 

  • MASTERASSIST Travel Assistance Services: Travel assistance before and during travels, and medical, legal, and roadside assistance services. 

Transferring A Balance To Your Pheple FCU Credit Card 

Promotional Rate: 2.99% APR* for one year on all balance transfers***.

Take advantage of our zero balance transfer fee. Pay off higher-rate credit cards or consolidate your balances to make managing payments easier.

Request A Balance Transfer Using One Of These Options:

*APR= Annual Percentage Rate. Other rates and terms available. Rates and terms subject to change without notice. Normal underwriting guidelines apply. Contact credit union for complete details. Cardholders are subject to a foreign transaction fee for any transaction completed by any means with a person or business located outside of the U. S. including transactions effected while the cardholder is physically in the U. S. at the time of the transaction.

**New credit purchase 0.00%APR is an introductory rate for 12 billing cycles from when account is opened. When the introductory period ends, any new or outstanding balances will revert to member's standard fixed rate, see Credit Card Disclosure for your rate.

***Balance transfer 2.99%APR is a promotional rate for 12 billing cycles from balance transfer date. When the promotional period ends, any new or outstanding balances will revert to member's standard fixed rate, see Credit Card Disclosure for your rate.