Credit Union Credit Cards From P1FCU
P1FCU offers Credit Card options for different spending and borrowing priorities. Compare the Premier Rewards Mastercard for cash-back rewards with the P1FCU Mastercard for a lower-rate option. Review current rates, fees, benefits, and eligibility before choosing the card that fits your needs.
Compare P1FCU Credit Card Options
|
Premier Rewards Mastercard
|
P1FCU Mastercard |
|---|---|
| Rewards-focused option | Lower-rate positioning |
| 0% introductory APR1 on qualifying new purchases for six months2 | No annual fee5 |
| 1.5% cash back on eligible purchases3 | No cash-advance fee6 |
| No balance-transfer fee4 | No cash-back program |
| No annual fee5 | Different balance-transfer terms |
| No cash-advance fee6 | Current APR1 at the published rate |
The right card depends on how you plan to use the account, whether rewards or interest cost is more important to you, and the APR and credit limit approved for your application.
Earn Cash Back With the P1FCU Premier Rewards Mastercard
The Premier Rewards Mastercard is designed for members who want to earn cash back on eligible purchases while avoiding an annual fee.
- 1.5% Cash Back on all new purchases
-
0% introductory APR on new purchases for six months for qualifying members
- $0 Annual Fee
-
$0 Balance Transfer Fee
-
$0 Cash Advance Fee
A Lower-Rate Credit Card Option From P1FCU
The P1FCU Mastercard is designed for members who place greater importance on a lower ongoing interest rate than on earning purchase rewards.
- Current approved purchase APR range
- Current balance-transfer APR
- Current cash-advance APR
- $0 Annual Fee
- $0 Cash Advance Fee
Credit Card Rates, Fees, and Interest
Your approved APR depends on the card selected, your creditworthiness, and the applicable account terms. Variable APRs may change with the Prime Rate. Review the current P1FCU Credit Card Account Disclosure before applying so you can compare purchase, balance-transfer, cash-advance, and fee information.
Benefits Included with P1FCU Credit Cards
Secure Payments
Acceptance
36 million merchants worldwide accept Mastercard.
EMV Chip Technology
Improves the global usability and security of your card as more merchants at home and abroad switch to advanced chip card terminals.
Contactless Payments
Just tap and pay without having to swipe.
Zero Liability
In the event that your card is used to make unauthorized purchases, whether made in a store, by phone or online, you won't be held liable.7
Identity Protection
Mastercard ID Theft Protection™
Provides you with access to a number of identity theft resolution services. This product offering will alert cardholders about possible identity theft by monitoring the web and searching for compromised credentials and potentially damaging use of registered personal information in order to detect fraud at its inception. It also provides a monthly risk alert/newsletter, resolution services that are available 24/7, lost wallet assistance, single bureau credit monitoring, financial account take over monitoring, and URL and domain monitoring. To use this service, simply enroll using Mastercard's Identity Theft Portal.(Opens in a new Window)8
Lost-wallet Assistance
Offers worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance through Mastercard.
Offers worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance through Mastercard.
Identity-resolution Resources
This product provides you with access to a number of identity theft resolution services. This will alert cardholders about possible identity theft by monitoring the web and searching for compromised credentials and potentially damaging use of registered personal information in order to detect fraud at its inception. It also provides a monthly risk alert/newsletter, resolution services that are available 24/7, lost wallet assistance, single bureau credit monitoring, financial account take over monitoring, and URL and domain monitoring.
Eligible Monitoring Services
Provides you with access to a number of identity theft resolution services. This product offering will alert cardholders about possible identity theft by monitoring the web and searching for compromised credentials and potentially damaging use of registered personal information in order to detect fraud at its inception. It also provides a monthly risk alert/newsletter, resolution services that are available 24/7, lost wallet assistance, single bureau credit monitoring, financial account take over monitoring, and URL and domain monitoring.
Travel Support
Mastercard Global Service™
This product offers worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.9
This product offers worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.9
Lost and Stolen Card Support
Offers worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance through Mastercard.
Offers worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance through Mastercard.
Emergency Replacement Assistance
Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance through Mastercard.
Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance through Mastercard.
Mastercard Airport Concierge™
Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit www.mastercard.com/airportconcierge (Opens in a new Window)or consult your Travel Advisor. This benefit may be subject to change without prior notice. Please visit www.mastercard.us/world (Opens in a new Window) or call 1-800-Mastercard for the latest benefit information.
Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit www.mastercard.com/airportconcierge (Opens in a new Window)or consult your Travel Advisor. This benefit may be subject to change without prior notice. Please visit www.mastercard.us/world (Opens in a new Window) or call 1-800-Mastercard for the latest benefit information.
See guide to benefits for the P1FCU World Mastercards(Opens in a new Window).
Manage and Pay Your P1FCU Credit Card
Existing cardholders can use P1FCU Digital Banking to manage important Credit Card tasks.
Make a Credit Card Payment
Members can currently access their Credit Card account in Digital Banking. After selecting their Credit Card, choose Pay, select the account the funds will be paid from, and schedule the payment.
Activate a New Credit Card
Members can activate their card through Card Controls in Digital Banking, or call 833-541-0777.
Get Help With Your P1FCU Credit Card
Lost or Stolen Card
If your card has been lost or stolen, call 833-541-0777.
Transaction Dispute
To dispute a charge, call 888-829-6434.
Activation
To activate your card, you can do so in Digital Banking. You can also call 833-541-0770.
PIN Support
If you would like to change your PIN, call 866-297-3413.
How to Apply for a P1FCU Credit Card
- Compare the available card options and decide whether rewards or lower-rate positioning best matches your needs. The application process is similar for both cards.
- Before applying, review the rates and fees found in the Credit Card Account Disclosure.
- Confirm membership eligibility. P1FCU membership is required for the Credit Cards. If you're not already a member, you can establish your membership during the application process. 10
- Complete and submit the online credit card application after providing the requested information, including identifying information, employment, and income details.
- In most cases, applicants receive a decision the same day. If approved, review your approved terms. Confirm the APR, credit limit, fees, and disclosures before using the account.
- Your physical card will be sent to you by mail. You may also have instant digital card access through Digital Banking, allowing you to access your card information while you wait for your physical card to arrive.
What Credit Cards does P1FCU offer?
P1FCU currently promotes the Premier Rewards Mastercard and P1FCU Mastercard. The Premier Rewards option focuses on cash-back rewards, while the standard Mastercard is positioned around a lower interest rate.
Does P1FCU offer a cash-back Credit Card?
Yes. The Premier Rewards Mastercard currently earns 1.5% cash back on eligible new purchases, subject to program terms.
Do P1FCU Credit Cards have an annual fee?
The two consumer Credit Cards currently promoted on the page advertise no annual fee.
What APR will I receive?
Your approved APR depends on the card selected, your creditworthiness, and the applicable account terms. You can view them on the current Credit Card Account Disclosure.
Is there a balance-transfer fee?
The Premier Rewards Mastercard currently promotes no balance-transfer fee. Different balance-transfer terms apply to the standard P1FCU Mastercard.
How do I pay my P1FCU Credit Card?
P1FCU currently allows members to make Credit Card payments through Digital Banking. Payments can also be made in-branch, over the phone, online, bill pay, cash, or check payments.
How do I activate my P1FCU Credit Card?
P1FCU currently allows members to activate a new Credit Card through Card Controls in Digital Banking.
What should I do if my Credit Card is lost or stolen?
P1FCU currently allows members to block their Credit Card through Digital Banking. Members can also contact the current P1FCU lost or stolen Credit Card support channel immediately. Keep the phone number visible and click-to-call on mobile.
Do I need to be a P1FCU member to apply?
Yes. A P1FCU membership is required for the Premier Rewards Mastercard and P1FCU Mastercard. Applications are also subject to credit approval.
1 APR- Annual Percentage Rate.
2 Introductory rate of 0% Annual Percentage Rate (APR) for 6 months on purchases after your Premier Rewards Mastercard account opens. After the introductory period ends, the APR for unpaid purchase balance and any new purchases will be 14.75%-18.00% based on creditworthiness. APR is effective 1/01/2026 and will vary with the market based on the Prime Rate.
3 1.5% Cash Back Rewards: Valid on net purchases (less credits, returns and adjustments) of goods and services made with a P1FCU Premier Rewards Mastercard. Cash back earned will be applied as a statement credit after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied.
4 Annual Fee: None.
5 Balance Transfer Fee: None
6 Cash Advance Fee: None.
7 Certain restrictions apply. See www.mastercard.us/zero-liability(Opens in a new Window)(Opens in a new Window) for details.
8 Certain restrictions apply. See https://mastercardus.idprotectiononline.com/enrollment/embedded.html for details.
9 For additional information, or for country-specific, toll-free telephone numbers, visit our website at www.mastercard.com(Opens in a new Window) or call the United States collect at 1-636-722-7111.
10P1FCU Membership required in order to obtain a P1FCU Mastercard and Premier Rewards Mastercard. Subject to credit approval. Not all applicants will qualify.
™Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.