Visa® Credit Cards
Credit Cards That Actually Work for You.
Earn rewards on every purchase — or keep it simple with a low variable rate. Two cards, one credit union, zero annual fees.
2x Points per $1 on Perks Rewards*
$0 Annual fee on either card
8.45% APR as low as on Platinum**
Why Choose a Pioneer Card
No Annual Fee
Neither card ever charges an annual fee. More value in your pocket from day one.
Worldwide Acceptance
Accepted anywhere Visa® is honored — at home, across the country, or around the world.
Local Decisions
Decisions made right here in Appalachia by people who know your community — not a remote algorithm.
Competitive Rates
Pioneer credit cards consistently beat big-bank rates. Keep more of your money instead of paying interest.
Compare Cards
Best for Rewards
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Pioneer Perks Rewards Visa®
Earn on every swipe. Redeem anywhere.
11.99% APR as low as*
- 2 points per $1 on everyday purchases*
- 1 point per $1 on balance transfers*
- No annual fee**
- Points never expire, no minimum redemption
- Redeem for cash, travel, gift cards via uChooseRewards
*Card must be registered at uchooserewards.com to earn points. APR as low as 11.99% based on creditworthiness. Not all applicants will qualify for the lowest rate.
Best for Low Rate
Pioneer Visa® Platinum
Simple, low-rate everyday spending.
8.45% Variable APR as low as*
- Competitive low variable APR
- No annual fee**
- Ideal for everyday use and balance management
- Accepted worldwide wherever Visa® is honored
- Rate based on Federal Prime Rate — moves with the market
*Variable APR as low as 8.45% based on the WSJ Prime Rate plus a margin. Rate adjusts monthly on the first day of the billing cycle. Not all applicants will qualify for the lowest rate.
uChoose Rewards Program
Your Points, Your Way
Every swipe of your Pioneer Perks Rewards Visa® earns points you can redeem however you want — no category restrictions, no blackout dates, no minimum balance to redeem. Cash back, travel, gift cards, merchandise: it's your call.
Cash back
Travel & experiences
Gift cards — 3M+ retailers
Points never expire
Card must be registered and active at uchooserewards.com to begin earning points.
2x Points on purchases
1x Points on balance transfers
3M+ Redemption retailers
Lost or stolen card? Contact us immediately during business hours to report and protect your account.
Report a Lost Card →Frequently Asked Questions
The Pioneer Perks Rewards Visa® has an APR as low as 11.99%. Your actual APR may be higher based on your creditworthiness, credit history, debt-to-income ratio, and other underwriting factors. Not all applicants will qualify for the lowest rate.
The Visa® Platinum APR is variable and adjusts monthly on the first day of the billing cycle based on the Prime Rate as published in the Wall Street Journal "Money Rates" table, plus a margin. The current minimum APR is 8.45%. If the Prime Rate increases, your rate and minimum payment may increase. If the index becomes unavailable, a comparable replacement index will be substituted.
No — neither the Pioneer Perks Rewards Visa® nor the Visa® Platinum charges an annual fee. Foreign transaction fees may apply.
Once your Pioneer Perks Rewards Visa® is approved, you need to register and activate your card at uchooserewards.com to begin earning points. After registration, you'll earn 2 points per $1 on purchases and 1 point per $1 on balance transfers automatically.
No — points earned on the Pioneer Perks Rewards Visa® never expire, and there is no minimum redemption threshold. Redeem whenever you want for whatever you want through uChooseRewards.
If you pay your balance in full most months, the Perks Rewards card is likely the better fit — you'll maximize value through points without carrying interest. If you sometimes carry a balance and want to minimize interest charges, the Visa® Platinum's lower variable rate could save you more. A Pioneer Financial Advocate can help you choose. Contact us or stop by any branch.
Yes — both cards are accepted anywhere Visa® is honored worldwide. Foreign transaction fees may apply. Contact us before traveling internationally so we can note your account and prevent any holds.
*APR = Annual Percentage Rate. Pioneer Perks Rewards Visa® APR as low as 11.99%. Your actual APR may be higher and is based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Not all applicants will qualify for the lowest rate. Card must be registered and active at uchooserewards.com to earn rewards points. Foreign transaction fees may apply.
**Pioneer Visa® Platinum APR is variable and subject to change monthly on the first day of the billing cycle based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus a margin. Current minimum APR: 8.45%. Any increase in the APR will take the form of additional minimum payments on your statement. If the Prime Rate index becomes unavailable, a comparable replacement index will be substituted. Not all applicants will qualify for the lowest rate. Foreign transaction fees may apply.
Membership with Pioneer Appalachia Federal Credit Union required. Federally insured by the NCUA. View the Visa Application and Solicitation Disclosure.
Member Stories
“My financial advocate was knowledgeable, polite and friendly.
Banking at Pioneer has been a blessing.”