Rewards Driven Credit Card: Reward Yourself with Every Purchase

Looking for a card that works for you? The Rewards Driven Credit Card from People Driven Credit Union lets you earn points on every qualifying dollar you spend, turning your everyday purchases into exciting rewards. Whether you’re after top-brand electronics, dream vacation getaways, gift cards, or exclusive experiences, the choice is yours.

Membership and eligibility requirements apply, with approval subject to application and credit history.

How to Apply

Visit Our Secure Portal

Simply visit the PDCU secure portal to get started.

Complete the Application

Select “New Card,” and request a credit limit. Then Fill out the easy-to-follow application form.

Start Earning

Receive your card in the mail and you’re on your way!

Apply for the Rewards Driven Credit Card

Credit Card Rates as Low As

3.99% APR*

Introductory 3.99% APR* applies to purchases made during the first six (6) months after account opening. When the intro period ends, your rate converts to our standard variable APR—currently 12.75% to 22.99% APR*, depending on creditworthiness and the Prime Rate.

Download the complete disclosure: Rewards Driven Credit Card disclosure and agreement.

*APR = Annual Percentage Rate.

Apply for a Rewards Driven Credit Card Online

Earn Points and Redeem for Amazing Rewards

You can then turn your purchases into amazing Merchandise, Travel or Experience rewards! We have top name brand name items, unbelievable vacation getaways, valuable services, to once in a lifetime experiences.

With the Rewards Driven Credit Card, you can redeem points for:

• Electronics
• Business Products
• Sports Equipment and Discounts
• Travel Items and Experiences
• Gift Cards and Digital Downloads
• Home Goods and Items for Him, Her, or Kids

No Fee Balance Transfer

Are you tired of paying too much interest? Transfer your high-interest credit card balances to a People Driven Credit Union Rewards Driven Credit Card with no fee.

Transfer your balance

Start getting your Rewards today!

Enjoy worldwide purchasing power with the Rewards Driven Credit Card from People Driven Credit Union. Benefit from our competitive interest rates and modern contactless payment technology, all without any annual fees.

Apply Online

Interest Rates & Interest Charges
APR* for Purchases	12.75%-22.99% Variable This APR* will vary with the market based on the Prime Rate.
APR* for Balance Transfers	12.75%-22.00% Variable
APR* for Cash Advances	12.75%-22.00% Variable
Penalty APR and When It Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge	None
Fees
Annual Fee	None
Balance Transfer Fee	None
Cash Advance Fee	None
Over the Credit Limit Fee	None
Foreign Transaction Fee	1% of each transaction in US dollars if the transaction involves a currency conversion.
Late Payment Fee	Up to $25
Returned Payment Fee	Up to $25

Credit Card Rates

Card Type	Visa Rewards Driven Credit Card	Visa Rewards Driven Share Secured Credit Card
Minimum Payment	3% of Balance, $30 Minimum	3% of Balance, $30 Minimum
Term Rate (APR*) as low as	12.75%	5.25%
Intro Rate (APR*) First 6 Months	3.99%	5.25%
Rates Effective as of:

Not ready for an unsecured card yet? No problem.

Our Secured Credit Card offers a smart, low-risk path to building your credit. Just put down a refundable deposit usually $200-$500 to set your limit, use it responsibly, and over time, you may qualify for a regular (unsecured) card. It’s a flexible, credit-friendly option when you’re ready to step up.

For details, call us at 248-263-4100 or visit our page on Secured Credit Cards.

Frequently Asked Questions

How can I see how much I’ve spent on my card and how much I owe?

You can quickly check your balance in the MyPDCU Mobile App. Just log in, select your Visa® Credit Card account, and you’ll see your current balance along with any past-due amount. Together, this shows your total amount owed.

What are the benefits of a contactless card?

Contactless cards offer several benefits over traditional cards that require a physical swipe or insertion into a card reader. Some of these benefits include:

Speed: Contactless cards can be scanned quickly and easily, resulting in faster and more efficient transactions. This can be especially useful in high-traffic retail environments where lines are lengthy.
Convenience: Contactless cards eliminate the need for physical swiping or insertion, making them particularly useful for people on the go, such as commuters or those running errands.
Increased security: Contactless cards reduce the risk of fraud by utilizing near-field communication (NFC) technology, which establishes a secure connection between the card and the card reader. Additionally, the risk of card skimming is reduced because a contactless card remains in the cardholder's possession.
Reduced contact: Because contactless cards can be scanned without physical contact, they can help reduce the spread of germs and bacteria, which is especially important during a pandemic.
Adoption: Contactless payments are becoming increasingly widespread; it may be more convenient for cardholders to have contactless cards, as many merchants are now accepting them.

Contactless card transactions are generally faster and more convenient than traditional card transactions.

What credit score do I need to qualify for a credit card?

Most credit card issuers look for a fair to excellent credit score, typically ranging from 580 to 850, depending on the card. Higher scores generally increase your chances of approval and offer better interest rates.

How long does it take to get approved?

Credit card approval can take anywhere from a few minutes (for online applications) to a couple of business days, depending on the complexity of your financial situation.

What happens if I miss a payment?

Missing a payment can lead to late fees, higher interest rates, and potential harm to your credit score. To avoid this, it’s essential to make at least the minimum payment by the due date each month. Keep in mind that any missed or delayed payments will increase your overall interest costs. Even if you make a partial payment or prepay, you will still need to pay the minimum amount due by the next scheduled due date to keep your account current. While we may accept late or partial payments, as well as checks or money orders marked "payment in full," doing so will not settle your account or waive any remaining balance.

What is the credit limit, and can it be increased?

Your initial credit limit will depend on your credit score, income, and other financial factors. After regular use and responsible payment behavior, many issuers offer credit limit increases over time.

Can I transfer balances from other credit cards?

Yes, you can! With People Driven Credit Union's Rewards Driven Credit Card, there are no balance transfer fees. You can reduce the interest you pay by transferring your high-interest credit card balances to a PDCU Rewards Driven Credit Card, all without any additional cost.

How do I use a contactless card?

Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free. Just look for the contactless symbol (it looks like a sideways Wi-Fi icon) at checkout. Then:

Look for the contactless symbol (sideways Wi-Fi icon) at checkout. Then simply:

Tap your card on the payment terminal where you see the symbol.
Hold it for a second or two—you’ll hear a beep or see a green light when the payment goes through.
That’s it! No need to insert, swipe, or touch the terminal beyond the tap.

It’s a fast way to pay—and your card never leaves your hand, adding an extra layer of protection.

Tip: Prefer your phone or smartwatch? Add your PDCU debit card to your mobile wallet and enjoy the same convenience using Apple Pay®, Google Pay™, or Samsung Pay®.

Start tapping today—your PDCU debit card is built for speed and security.

Contactless purchases may require a PIN or signature for certain transactions. Mobile wallet availability may vary by device or retailer. Terms and conditions apply.

How do I report a lost or stolen Visa credit card?

If your People Driven Credit Union Visa credit card is lost or stolen, report it right away so we can help protect your account and order a replacement card.

What to do right away

During regular business hours, call People Driven Credit Union at 844-700-7328 (844-700-PDCU).
For after-hours emergencies, call our dedicated Visa credit card line at 800-543-5073.
You may also contact Visa directly at 800-325-3678. Visa will coordinate with us on your replacement card.
Ask us to block the missing card, order a replacement, and review recent transactions with you.

If you have your member number or account details available, that may help speed up the process. Once your card has been reported, log in to the MyPDCU app or online banking at my.peopledrivencu.org to review your recent transactions. If you notice anything you do not recognize, let us know right away.

When a lost or stolen card is reported promptly, protections under applicable law and Visa’s Zero Liability policy may help limit your responsibility for unauthorized charges. Please contact us as soon as possible so we can review the activity on your account and take the next steps with you.

Your replacement Visa Rewards Driven Credit Card will be ordered after the report is completed. In most cases, replacement cards ship within 3 to 5 business days and arrive in 7 to 10 calendar days at the address we have on file.

Helpful tips after reporting your card

Monitor your account daily in the MyPDCU app or online banking and report any suspicious activity right away.
Update any recurring payments, such as subscriptions, utilities, insurance payments, or online merchant accounts, once your new card arrives.
Activate your replacement card as soon as you receive it by calling the number on the sticker or contacting Member Services.
Set up account alerts in the app or online banking to stay on top of new transactions.
If you need additional help, call our Member Center at 248-263-4100.

How do I make a payment on my People Driven Visa credit card?

You can make a payment on your People Driven Visa credit card through online banking, the MyPDCU app, by phone, in person, or by mail.

Payment options

Make a payment in online banking or the MyPDCU app at my.peopledrivencu.org
Set up recurring payments for your monthly due date
Call 844-700-7328 for help during business hours
Visit a People Driven Credit Union branch for in-person assistance
Mail your payment by check to People Driven Credit Union, PO Box 984, Southfield, MI 48037

Make a payment online or in the app

Log in to the MyPDCU app or online banking at my.peopledrivencu.org. Go to the Transfers section, choose the account you want to pay from, and select your Visa credit card as the destination. You can make a one-time payment or set up recurring payments based on your preferences.

Set up recurring payments

Recurring payments can help you stay on track with your due date each month. Depending on your available options, you may be able to schedule a minimum payment, full balance payment, or a fixed amount through online banking or the MyPDCU app.

Other ways to pay

If you need help making a payment, call Member Services at 844-700-7328 during business hours. You can also stop by one of our branches in Livonia, Southfield, Warren, Ypsilanti, or Romeo for assistance.

Helpful tips for making your credit card payment

Set up recurring payments if you want a more automatic way to stay on schedule.
Submit your payment early enough to allow for processing before your due date.
Use the MyPDCU app or online banking for quick access to your account and payment options.
Pay more than the minimum when possible to reduce your balance faster.
Call 248-263-4100 if you need help with your payment or statement.

Disclosures

*Annual Percentage Rate (APR) for Purchases

All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A lending specialist will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative.

Download the complete disclosure: Rewards Driven Credit Card disclosure and agreement.

Membership Requirement

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:

A valid Driver's License, State ID, or Passport with your current address
Your Social Security Number

A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.

Rewards Driven Credit Card

Reward Yourself With Great Merchandise, Travel and Cash Back!