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Credit Cards

Flexible shopping, easier budgeting, and fun points and prizes — our credit card options make it easy to live life to the fullest. 


Choose our Pioneer Perks Visa® credit card to enjoy a competitive non-variable rate and rewards!

  • Earn 2 points for every $1 spent*
  • Earn 1 point per $1 for balance transfers*
  • Low non-variable rate
  • No pesky "gotcha" fees
  • Special bonus point promotions
  • Your choice of rewards from over 3 million retailers
  • Cash Redemption option
  • Redeem points quickly online and with 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.  
Choose our Visa Platinum credit card with a low variable rate!

  • Low variable rate based on the Federal Prime Rate.
  • 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.”