Credit Cards
Your Card, Your Benefits
Explore our range of VISA credit cards designed to meet your needs. Benefit from competitive rates, low fees, and rewarding perks for travel and brand-name merchandise.
Credit Card Benefits
Flex Checking
Combine your Point West VISA credit card with a Flex Checking account to earn up to 3.00% APY on balances up to $15,000 (terms apply).
ScoreCard Rewards
Earn ScoreCard Points with every purchase, dollar for dollar, and redeem them for exciting travel rewards and brand-name merchandise.
Already a Card Holder?
Access your account details easily. Visit eZCardInfo.com, your go-to platform for everything related to your Point West VISA credit card.
Explore your options
Platinum VISA Credit Card
Perfect for everyday use and ideal for both domestic and international travel, this card offers no international transaction fees, travel accident insurance, and auto rental insurance. It’s your ticket to a stress-free vacation!
- 25-day grace period
- Apple Pay/Android Pay
- Auto Rental Insurance
- Travel Accident Insurance of $500,000
- Emergency card replacement
- No international transaction fees!
- Access to ScoreCard Rewards
Classic VISA Credit Card
Our Classic VISA credit card offers no annual fee, competitive rates, and more benefits for your convenience.
- 25-day grace period
- Apple Pay/Android Pay
- Travel Accident Insurance of $250,000
- No international transaction fees!
- Access to ScoreCard Rewards
Fresh Start VISA Credit Card
If you’ve had credit issues, our Fresh Start VISA credit card can help rebuild your credit history. Designed for those establishing or recovering credit, this card paves the way to eligibility for our no-fee and rewards cards as your credit improves.
- $30 initial processing fee
- Apple Pay/Android Pay
- Travel Accident Insurance of $250,000
- No international transaction fees!
- Access to ScoreCard Rewards
Share Secured VISA Credit Card
Have limited or damaged credit? Our share secured VISA credit card is an ideal tool to build credit affordably and responsibly. For every dollar in your savings, you’ll have access to $0.80 in credit. With no annual fee, it helps establish a positive credit history and may qualify you for other card options.
- Apple Pay/Android Pay
- Travel Accident Insurance of $250,000
- No international transaction fees!
- Access to ScoreCard Rewards
Build Better Credit, One Swipe at a Time
Credit Pathways provides the tools and tips you need to manage your credit card responsibly and grow your score.
Compare our Credit Cards
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Purchase APR*
Purchase APR*
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Cash Advance APR*
Cash Advance APR*
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Annual Fee
Annual Fee
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Cash Advance Fee
Cash Advance Fee
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Late Fee
Late Fee
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Min. Finance Charge
Min. Finance Charge
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Return Payment Fee
Return Payment Fee
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Min. Payment
Min. Payment
Platinum Visa Credit Card
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Purchase APR*
8.95%
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Cash Advance APR*
8.95%
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Annual Fee
$0
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Cash Advance Fee
$0
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Late Fee
$27.00
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Min. Finance Charge
$0.00
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Return Payment Fee
$27.00
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Min. Payment
3% of balance up to $25.00
Classic Visa Credit Card
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Purchase APR*
14.99%
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Cash Advance APR*
14.99%
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Annual Fee
$0
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Cash Advance Fee
$0
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Late Fee
$27.00
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Min. Finance Charge
$0.00
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Return Payment Fee
$27.00
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Min. Payment
3% of balance up to $25.00
Fresh Start Visa Credit Card
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Purchase APR*
17.90%
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Cash Advance APR*
17.90%
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Annual Fee
$0
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Cash Advance Fee
$0
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Late Fee
$27.00
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Min. Finance Charge
$0.00
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Return Payment Fee
$27.00
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Min. Payment
3% of balance up to $25.00
Share Secured Visa Credit Card
-
Purchase APR*
14.99%
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Cash Advance APR*
14.99%
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Annual Fee
$0
-
Cash Advance Fee
$0
-
Late Fee
$27.00
-
Min. Finance Charge
$0.00
-
Return Payment Fee
$27.00
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Min. Payment
3% of balance up to $25.00
Contact Card Services
If you’re experiencing issues with your credit or debit card we’re here to help. Find the right phone numbers and support resources for your situation.
Traveling Out of State?
Click here
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eZCard Services
eZCard Website: Visit eZCard Website
eZCardInfo: 1.866.604.0380
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Fraud and Dispute (Credit Card)
Fraud and Dispute Hotline: 1.800.600.5249
Mon-Fri: 5:00 am to 5:45 pm PT
Sat: 6:00 am to 11:45 am PT
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Lost/Stolen (Credit Card)
Credit Card Lost/Stolen: 1.800.991.4961
Traveling Out of State?
Click here
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Account Management
Automated Account Management: 1.800.ASK.4BAL (1.800.275.4225)
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PIN Change
Debit Card PIN# Change: 833.541.0780
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Fraud and Dispute (Debit Card)
Fraud and Dispute Hotline: 833.995.2888
Mon-Fri: 5:00 am to 6:00 pm PT
Sat: 6:00 am to 12:00 pm PT
Hay personal que habla español disponible para ayudar.
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Lost/Stolen (Debit Card)
Debit Card Lost/Stolen: 800.754.4128 (Domestic) | 727.227.9012 (International)
Open your Point West Visa Credit Card today!
Frequently Asked Questions
- Go to https://www.ezcardinfo.com/
- Login to your account (If you have not created an account, you may do so from this page)
- Select STATEMENTS menu options
- Select View Statements
Within Online and Mobile Banking
- Click your credit card account (Clicking Payment Details or Make Payment will not work)
- Click the View eZCard button
To make your credit card payment, visit https://www.ezcardinfo.com. If you don’t have an account set up, you may create one from the login page. Please have your credit card number ready when beginning enrollment.
You can also access the eZCard site from within Online Banking and our Mobile App.
If you’re planning to travel out of state and intend to use your credit or debit card, please notify us in advance to avoid any disruptions in service.
To notify us, contact us using one of the following methods:
- OLB Message (Online Banking secure message)
- 503.546.5000
- contact@pointwestcu.com
Please include the following details in your message:
- Your name
- Travel dates and destination
- The cards you plan to use
To access your ScoreCard Rewards, visit https://www.scorecardrewards.com/#/home.
If you have not created an account, you may do so from this page. Please have your credit card number ready before beginning enrollment.
Once your account is created, you can view your reward balance, search and view all available redemption options and more!
Yes. Scorecard Points will expire 4 years from the month they are earned. View Full Rules
Yes. Members will receive advance notice:
- On Visa statements for 6 months leading up to the point expiration date.
Review your Visa statements regularly and redeem points before their expiration date.
Disclosures
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*APR = Annual Percentage Rate. Current variable rate, on approved credit. All rates and programs subject to change at any time. All loans subject to credit approval. Terms and conditions apply, see VISA Rates and Fees for details.