Pioneer Perks

Unlock Rewards with the Pioneer Perks Credit Card!

The Pioneer Perks Credit Card turns everyday spending into something more. With 2 points earned for every dollar, no hidden fees, and flexible redemption options, this card makes it easy to save money—and earn along the way.

Whether you're filling up the tank, grabbing lunch, or shopping online, you're building points you can use for gift cards, travel, cash back, and more.

Ready to upgrade how you spend?

  • 2x Points on Every Purchase
    Earn 2 points for every $1 you spend—automatically.*

  • 1x Points on Balance Transfers
    Earn while you move your balance to Perks.*

  • Low, Fixed Rates
    Enjoy stable, competitive rates that don’t fluctuate.

  • No Annual Fee, No Gotchas
    No hidden fees, no tricks—just real value.

  • Bonus Point Promotions
    Get even more with special limited-time offers.

  • Millions of Redemption Options
    Redeem at 3+ million retailers with uChoose Rewards®.

  • Flexible Cash-Back Options
    Turn your points into cash anytime—it’s your call.

  • Easy Online Management
    Track and redeem points directly through your online banking.

*Points will not be earned on your card until card is registered and active on the uchooserewards.com 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 uchooserewards.com 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 uchooserewards.com 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.









A mom and kid cooking with vegetables

Home Loans


From mortgages to home equity loans, make the most of West Virginia real estate with lenders who live right next door.