Close up of a person's hands holding a card reader

Pioneer Perks

Unlock Rewards with the Pioneer Perks Credit Card!

Low rates, no gotcha fees, and points on every purchase!

In a world where every penny saved matters, we bring you an opportunity to not just save, but to earn while you spend! The Perks Credit Card is your ticket to a world of rewards and benefits. Our Perks Credit Card offers competitive fixed interest rates that are hard to beat, providing great value.

Take advantage of this card that is a smarter, more rewarding way to spend. Discover what the Pioneer Perks Credit Card has in store for you!

Apply Here

  • Maximize Your Spending: Earn 2 points for every $1 you spend.*
  • Balance Transfer Bonus: Earn 1 point for every $1 transferred to your Perks Credit Card.*
  • Stable Rates You Can Count On: Enjoy a low, fixed interest rate.
  • No Hidden Fees: Say goodbye to troublesome "gotcha" fees.
  • Bonus Point Promotions: Take advantage of special bonus point opportunities.
  • Wide Range of Rewards: Redeem your points at over 3 million retailers.
  • Flexible Redemption Options: Convert your points into cash whenever you want.
  • Easy Point Management: Redeem your points conveniently online.
*Points will not be earned on your card until card is registered and active on the site.  

Step 1: Apply for the Pioneer Perks Visa® Credit Card

  • Visit here and fill out the online application form.
  • Alternatively, visit any Pioneer Appalachia Federal Credit Union branch to apply in person.
  • Once approved, you will receive your new Pioneer Perks Visa® Credit Card in the mail.

Step 2: Register Your Card

  • Go to to register your card.
  • Follow the simple registration process to activate your card and start earning points.

Step 3: Start Earning Points

  • Use your Pioneer Perks Visa® Credit Card for everyday purchases and earn 2 points for every $1 spent.
  • Transfer balances to your Perks Credit Card and earn 1 point for every $1 transferred.
  • Keep an eye out for special bonus point promotions to maximize your rewards.

Step 4: Redeem Your Points

  • Log in to or use our mobile app to manage and redeem your points.
  • Choose from over 3 million retailers or opt to convert your points into cash.
  • Enjoy the flexibility and convenience of redeeming your points online anytime, anywhere.

Close up of two hands shaking

Locations and Hours

We'd love to see you in person! Please feel free to drop into any branch location near you.