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Tis The Season

This holiday season double your Reward Points and spend to win a $250 Visa Gift Card!

Preferred Rewards - Double Reward Points

Now until December 31st, 2019 you’ll earn double the reward points by using your credit card for all your purchases big and small. From groceries to fuel to holiday shopping, your everyday purchases will really pay off. You will earn 2 points for every $1 spent.

Double Reward Details

Earn double reward points when you use your Preferred Credit Union Platinum Visa® Credit Card between November 01, 2019 – December 31, 2019. Double Reward Points apply to purchases only.  No ATM, cash advance or utility payments. 2 points are earned for each $1 spent. Existing cardholders and new cardholders both eligible for bonus reward points. Terms and conditions are subject to change without notice. Some restrictions may apply. Credit card approval depends on creditworthiness and other qualifications. Insured By NCUA.

Spend to WIN

Use your Preferred Credit Union Platinum Visa® Credit Card and be entered for a chance to win a $250 Visa® Gift Card.


  1. NO PURCHASE NECESSARY – Membership is not required to participate in the prize drawing.
  2. ELIGIBILITY – Participation is limited to eligible persons who are 18 years or older. By submitting an entry you agree to be bound by these Official Rules. The Promotion periods are 11/28/19 – 12/02/19 and 12/21/19 – 12/24/19. Applies to entries actually received by the Credit Union and transactional authorizations approved during this period. All winners will be notified by the Credit Union. If any prize is unclaimed within 30 days, an alternate winner may be chosen. Employees, officers, directors of the credit union and immediate family members (spouse, parents, siblings, children and their spouses) and persons living in the same households of each of the above are ineligible.
  3. PRIZES – The Credit Union will award one person a $250.00 Visa® Gift Card
  4. HOW TO ENTER – Use your Preferred Credit Union Visa® Credit Card for purchases where ever Visa® is accepted during promotional periods. Entries are based on purchase authorization during promotional period. Non-transactional/electronic entries can be mailed on an index card with name, address, phone number, email to: Preferred Credit Union, Attn: Cards Department, 534 N. Lafayette, Greenville, MI  48838. One entry per envelope and the Credit Union is not responsible for lost, late, mis-delivered, incomplete or postage-due entries.
  5. WINNER SELECTIONS – One winner will be selected on or around January 13, 2020 at random from eligible entry forms. The selection of a prize winner hereunder will be final. Selected winners will be notified by mail, telephone, or email, following the drawing week. In the event a selected winner is unreachable within seven days or cannot accept the prize for any reason, the selected winner will forfeit the prize and an alternate winner may or may not be selected from the remaining eligible entries. No transfer or substitution of prize permitted by winner. No cash or other considerations will be paid. Odds of winning will depend upon the number of eligible entry forms received.
  6. CONDITIONS OF PARTICIPATION – Preferred Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules or who make any misrepresentations relative to the Campaign and acceptance of a prize. Entrants agree to be bound by the terms of these Official Rules and by the decisions of Preferred Credit Union, which are final and binding on all matters pertaining to this campaign. By accepting a prize, winner agrees to hold Preferred Credit Union and its employees harmless for any injury or damage caused or claimed to be caused by participation in the Campaign or acceptance, receipt, possession, or misuse of the prize. Preferred Credit Union is not responsible for any printing, typographical, mechanical or other error in the administration of the Campaign or in the announcement of the prize.
  7. PUBLICITY AUTHORIZATION – Preferred Credit Union may use winner’s name, likeness and city name for promotional purposes without additional compensation.
  8. WINNERS LIST – The names of the winners will be kept at Preferred Credit Union. For a copy of the winners list, please contact
  9. VOID WHERE PROHIBITED BY LAW – All federal, state and local laws and regulations apply.

Review our Visa Disclosure prior to application

Apply for your PCU Platinum Visa Credit Card

Need to increase your limit?

Need a balance transfer?

Review our Visa Disclosure prior to application

Apply for your PCU Platinum Visa Credit Card

Need to increase your limit?

Need a balance transfer?

PCU Platinum Visa® Credit Card

  • No Annual Fee
  • 25 Day Grace Period
  • Preferred Rewards (see below)
  • Platinum Card Benefits (see an associate for details)
  • Card Control
  • Digital Wallet
  • Rates as lows as 7.99% APR*

*this is the lowest percentage rate available; your APR may be higher depending on your credit history

Need to make a payment?

Preferred Rewards

Use your PCU Platinum Visa® Credit Card for all your purchases big and small.

Enjoy these great features

  • An extensive rewards catalog with popular brands, top merchants, event tickets and more
  • Convenient online travel reservations
  • ShopSPOT card-linked bonus point offers
  • ShopSPOT online bonus point offers
  • And much more

Visa Balance Transfer

Less Is MORE! Consolidate your high interest credit cards to our Platinum Visa Credit Card for one low monthly payment. Plus NO Balance Transfer Fee!

Consolidating can reduce your payments and increase cash flow which is why Less Truly Is More!

Take advantage of our special Balance Transfer offer, you may qualify for a Visa gift card up to $100!

Apply for a Balance Transfer or call 1-800-328-4131 for more information.

Protect Your Cards With Real-Time Control!

CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place. You can even use CardNav to set personal spending limits that help you stay within your budget goals.

• Turn cards on or off in seconds.
• Use GPS to restrict transactions to businesses within a designated area.
• Limit card use to specific merchants or purchases.
• Receive real-time, in-app alerts that let you stop unauthorized purchases before they’re complete.
• Receive alerts when you’re getting close to any personal spending limits you’ve set.

Download the CardNav by CO-OP app, and gain a new level of security and control over your money today.

Exceptions: ATM Cards will not work with this program.

Reporting Cards Lost or Stolen 
To report your Visa Credit Card or Debit Card as lost or stolen call 1-800-328-4131.

Reporting Fraudulent Activity
To dispute a change made to your Visa Credit Card or Debit Card call 1-800-328-4131.

Visa Credit/Debit Card Activation
Call 1-800-466-0040