Rewards Driven Credit Card

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 to 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*

*APR = Annual Percentage Rate. 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 11.99% to 22.99%, depending on creditworthiness and the Prime Rate. Balance transfers and cash advances are not eligible for the introductory rate; they accrue interest at a variable APR currently 18.99% to 24.99%.

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

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	13.50%-22.00% Variable This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	13.50%-22.00% Variable
APR for Cash Advances	13.50%-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.

Are there any fees for applying for or using the card?

There are no application fees or balance transfer fees, but there are a few fees to be aware of: [table id="1771"]

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.

How do I use a contactless card at People Driven Credit Union?

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! Your card never leaves your hand, adding an extra layer of protection.

Sideways Wi-Fi icon on a contactless card.

Why Contactless is Secure

Your card stays in your hand the entire time. Each tap uses a unique, one-time code so the terminal never sees your full card number. It’s one of the safest ways to pay in stores today.

Common Questions

How do I use a contactless card at People Driven Credit Union? Look for the contactless symbol, tap your card, hold for a second, and you’re done. No insert or swipe needed.

Get Help from Our Team

Call us at 844-700-7328 during business hours. Our team answers questions about using your contactless card. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints for Using Your Contactless Card

First, look for the contactless symbol at checkout.
Next, tap and hold your card near the reader for 1–2 seconds.
Also, keep your card in your hand the entire time.
Then, listen for the beep or watch for the green light.
Finally, contact us at 248-263-4100 if your contactless card is not working.

People Driven Credit Union makes using your contactless card fast, secure, and convenient. You simply tap and go — no more inserting or swiping at the terminal. Many members use contactless every day and love how quick and safe it feels. Thank you for banking with us. Our team is always ready to help you use your contactless card with confidence.

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

What should I do if my People Driven Credit Union Visa credit card is lost or stolen?

If your Visa credit card is lost or stolen, contact People Driven Credit Union immediately to report it and protect your account.

What to do right away

Call PDCU as soon as you notice the card is missing on our dedicated Visa credit card line at 800-543-5073
Request card lock/replacement and review recent transactions.
Update any recurring payments tied to the old card once replaced.

Call us right away during regular business hours at 844-700-7328 (844-700-PDCU). For after-hours emergencies only, use our dedicated Visa credit card line at 800-543-5073. You can also reach Visa directly at 800-325-3678 if preferred—Visa will coordinate with us daily to issue your replacement. Have your member number or account details ready to speed things up. Our caring team will instantly lock your card, stopping any potential unauthorized use immediately. Under the Fair Credit Billing Act and Visa’s Zero Liability policy, when you report the loss promptly you are typically not responsible for any fraudulent charges. Once reported, log into the MyPDCU mobile app or online banking at my.peopledrivencu.org to review all recent transactions. Spot anything suspicious? Let us know right away so we can investigate and handle it for you. We’ll order your new Visa Rewards Driven Credit Card, which usually ships within 3–5 business days and arrives at the address on file in 7–10 calendar days. While you wait, continue managing your account, making payments, transferring funds, or visiting any of our five convenient branches in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints After Reporting Your Visa Credit Card Lost or Stolen

Monitor your account daily in the MyPDCU app and report any unfamiliar activity immediately.
Update all recurring payments (subscriptions, utilities, insurance, online merchants, etc.) with your new card details as soon as it arrives.
Activate your replacement card right away by calling the number provided on the sticker or contacting Member Services.
Enable real-time transaction alerts in the app or online banking so you get instant notifications for every charge.
Contact our Member Center at 248-263-4100 for extra help, fraud-prevention tips, or to discuss additional account protections.

At People Driven Credit Union, we’re more than your credit union, we’re your trusted partner. Thank you for trusting us with your Visa credit card. We’re committed to keeping your accounts safe and getting you back to normal as quickly as possible.

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

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

You can make your People Driven Visa credit card payment through approved online, mobile, or supported payment channels.

Payment options

Online payment through digital online tools
Automatic payment setup for monthly due dates
Phone 844-700-7328 or branch-assisted payment options when needed

Making payments on your People Driven Visa credit card is simple and convenient. We offer several easy options to fit your schedule. You stay in control of your account at all times.

Make a Payment Online or in the App

Log into the MyPDCU mobile app or website at my.peopledrivencu.org. Go to the Transfers section. Select your checking or savings account. Then choose your Visa credit card as the destination. You can make one-time payments or set up recurring ones. Most payments post the same business day.

Set Up Automatic Payments

We strongly recommend automatic payments (Autopay). You choose the amount and date. Options include minimum payment, full balance, or a fixed amount. This method helps you avoid late fees and protects your credit score. Setup takes just a few minutes in the app or online banking.

Common Questions

Can I automate card payments? Yes, recurring payment options are available based on your account setup.

Other Ways to Pay

Call our Member Services team at 844-700-7328 during business hours. They can process your payment over the phone. You can also visit any of our branches in Livonia, Southfield, Warren, Ypsilanti, or Romeo. For mailed payments, send your check to People Driven Credit Union, PO Box 984, Southfield, MI 48037.

5 Helpful Hints for Making Your Visa Credit Card Payments

Set up Autopay in the MyPDCU app. It is the easiest way to pay on time every month.
Submit your payment 1–2 business days before the due date. This gives time for processing.
Use the mobile app for fast payments anywhere. You only need an internet connection.
Pay more than the minimum whenever possible. This reduces your interest charges faster.
Contact us at 248-263-4100 if you need help with payments or your statement.

At People Driven Credit Union, we make managing your Visa credit card easy. Thank you for trusting us. Our team is always ready to help you reach your financial goals.

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!