Credit Cards

Smart spending starts here.

Experience Low Rates & Great Rewards

Unlock endless possibilities with low interest rates, no hidden fees, and contactless technology.

All Patriot Visa® Cards Have These Benefits

Dollar Crossed Out

No Annual or Balance Transfer Fees

Wave goodbye to unexpected costs with zero annual or balance transfer fees.

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Contactless Payments

Just look for the “contactless” symbol at checkout, then tap your card or hold it just above the card reader.

Credit Card

Cards Issued Instantly

Lost, misplaced, damaged, or compromised debit or credit card? Drop in to a local branch to get a new card same day.1


Digital Wallet

With Apple®, Google™, Samsung™, or Garmin™ Pay, you can make purchases online and in-person from your smartphone. It’s convenient, easy, and secure.

Compare Credit Cards

Choose from these great cards.

Platinum Visa Credit Card

Credit card

  • Rates as low as 12.74% APR2 on purchases and cash advances

Cash Back Rewards Visa Credit Card

Rewards credit card

  • Earn 1.5% reward on the amount of qualifying net purchase transactions3

Secured Visa Credit Card

Credit card

  • Great for those special situations when you are looking to build or rebuild your credit

Financial Calculator



Using your Patriot VISA® credit card for a contactless payment is very similar to inserting your card to use the EMV chip-enabled technology. Like the EMV chips in the credit cards, the contactless chip emits a one-time code for each transaction that is transmitted with your payment information. In order to replicate the information to make a fraudulent payment, a hacker would have to figure out the algorithm used by VISA to make payments, which is virtually impossible, making the payment very secure.

  1. Complete the Credit Card Balance Transfer Form. You may use additional forms as needed.
  2. Return the form with a copy of your most recent account statement:
  3. Your Patriot credit card statement will show a payment for the transferred amount(s).
  4. For questions, please call toll free: 888-777-9982

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  • 1Non-issuing branches (Letterkenny and Gateway) can take care of any needed card maintenance. Thereafter, you have the option of receiving your new card through the mail or stop in same-day to any of our eight “issuing” branches to have your card printed on the spot.

  • 2Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. This is a variable rate loan product; your payment and rate are subject to change. Rate based on the Wall Street Journal Prime Rate which was 8.50% as of 7/26/23. Maximum 18% APR. Foreign transaction fee of 1% of the amount of the transaction in U.S. dollars. Late payment fee of up to $25.00 may apply. Expedited card delivery fee of $50.00 may apply. Optional debt cancellation protection is available, fees range from $0.189 to $0.599 per $100.00 owed per month based on coverage selected. Visa is a registered trademark of Visa International Service Association. Rates may change without notice. All loans subject to credit approval.

  • 3Earn 1.5% reward on the amount of qualifying net purchase transactions. The term ‘purchases’ does not mean every transaction you make with your credit card. Ineligible transactions include, but are not limited to: interest charges, fees, balance transfers, cash advances, ATM transactions, convenience checks, disputed or unauthorized charges, fraudulent transactions, purchase of gift cards or Traveler’s Cheques, overdraft transfers, and other charges assessed to your account. Returns, refunds, or other credits are deducted from your purchases resulting in cash back rewards on your net purchases. Cash Back Rewards will be deposited to a prime share account only when the card account is open and current. Click here Reward Program for details.

  • Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is only compatible with select cards, carriers, and Samsung devices. See for compatibility. Garmin is a registered trademark of Garmin Ltd. EMV® is a registered trademark or trademark of EMVCo, LLC in the United States and other countries around the world. Message and data rates may apply. Terms and Conditions are available.

  • NCUA

    This credit union is federally insured by the National Credit Union Administration.

  • Equal Housing Lender

    Equal Housing Lender