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Credit Cards

Experience the convenience of flexible shopping, simplified budgeting, and the excitement of earning points to receive prizes with our range of credit card options. Enjoy an effortless way to embrace life to the fullest.


Opt for our Pioneer Perks Visa® credit card and take advantage of its competitive non-variable rate and rewarding features!

    • Earn 2 points for every $1 spent*
    • Earn 1 point for every $1 on balance transfers*
    • Enjoy a low non-variable rate
    • Say goodbye to troublesome "gotcha" fees
    • Benefit from special bonus point promotions
    • Choose from over 3 million retailers for your rewards
    • Option to redeem points for cash
    • Conveniently redeem points online and through our mobile app
When you receive your Pioneer Perks card, you must register it at

Once registered you will start to earn and accumulate points every time you sign for your purchase using your Perks card.

*Points will not be earned on your card until card is registered and active on the site.  
Select our Visa Platinum credit card featuring an advantageous low variable rate based on the Federal Prime Rate. Enjoy the added benefit of no annual fee.
Reminder — Whether you are going overseas or across the country, make sure you contact Pioneer Appalachia Federal Credit Union before traveling. We'll let Visa® know your destination, so the card isn't assumed lost or stolen.

Just give us a call at (304) 348-6648 or 1-800-339-4378 and have a safe, wonderful trip!

Rate may vary based on your creditworthiness and other factors. Not all applicants will qualify. Membership Required.   Card must be registered at in order to earn points.   

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Member Stories

“My financial advocate was knowledgeable, polite and friendly.
Banking at Pioneer has been a blessing.”