PrimeTrust Visa® Gold Credit Card
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Earn Rewards, Save More
A low 12.9% non-variable APR, tiered cash-back rewards on big-ticket buys, and $0 annual fee—giving emerging families maximum buying power and predictable savings.
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Smart Cash-Back Rewards Built for Your Next Big Milestone
Whether you are updating your home, upgrading family gear, or simply balancing the monthly budget, your credit card should reward your growth—not cost you in high interest and hidden fees.
The PrimeTrust Gold Cash-Back Visa® Credit Card combines the predictable peace of mind of a low, non-variable 12.9% APR with a tiered cash-back program that pays you back on the purchases that matter most.
Why Growing Families Choose Gold:
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Tiered Cash-Back Bonuses: Earn 0.5% cash back on purchases between $100.00 and $499.99 and boost your earnings to 0.75% cash back on major purchases over $500.00.
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12.9% Non-Variable APR: Say goodbye to unpredictable rate hikes. Enjoy a locked-in rate for everyday purchases, balance transfers, and cash advances.
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$0 Annual Fee: Keep 100% of your cash back in your pocket where it belongs.
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25-Day Grace Period: Zero interest on new purchases when you pay your balance in full each month.
Big Purchases Should Pay You Back
Most cash-back cards charge sky-high variable rates that erode your rewards if you carry a balance. The PrimeTrust Gold Visa® is structured differently—helping you earn money back on life’s larger expenses while keeping interest charges low.
frequently asked questions
Is the APR really fixed?
Yes. Unlike variable-rate cards that fluctuate when market benchmark rates change, your fixed APR stays stable for purchases, balance transfers, and cash advances.
Are there fees for balance transfers or cash advances?
No. PrimeTrust charges $0 for balance transfers and $0 for cash advances, making it cost-effective to consolidate higher-rate balances or access emergency cash.
Does this card have an annual fee?
No. You enjoy $0 annual fees along with cash back rewards on everyday purchases.
How does the cash-back reward program work?
You automatically earn cash back on eligible everyday purchases. Your earnings accumulate each billing cycle and can be redeemed as a direct account credit or deposit.
How does the 25-day grace period work?
If you pay your balance in full by the due date each month, you will not incur interest charges on new purchases made during that billing cycle.
Who is eligible to apply for the PrimeTrust Gold card?
Anyone who lives, works, worships, or attends school in our service area—or has an immediate family member who is a PrimeTrust member—can apply upon opening a membership share account.
Consolidate High-Interest Debt with $0 Balance Transfer Fees
Tired of paying 20%+ APR on retail or big-bank credit cards? Simplify your monthly payments and pay down debt faster by rolling higher-interest balances into the PrimeTrust Gold Cash-Back Visa®.
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Same Low 12.9% Non-Variable APR on all balance transfers.
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No Fee Cash Advances & Balance Transfers to save you money upfront.
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Built-in Purchase Protection for added security on everything you buy.
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Nationwide ATM Access for convenient cash when you need it most.
Ready to Take Control of Your Buying Power?
Get the low-rate flexibility and cash-back rewards your growing family deserves—with zero annual fees and no rate surprises.
Apply for Your Visa Gold Cash-Back Card Today
*APR = Annual Percentage Rate. Subject to credit approval. Terms and conditions apply. 12.9% non-variable APR applies to purchases, cash advances, and balance transfers. 25-day grace period applies to purchases when balance is paid in full each month. See credit union terms and conditions for full program disclosures.