Congratulations on Your Credit Card Upgrade!
A Brand-New Experience Is on the Way
Whether you're learning about PEFCU's new credit card program for the first time or you've recently received a letter about an upcoming card upgrade, we're excited to welcome you. Explore our exclusive gemstone-inspired credit cards and discover PEFCU Perx, our new rewards program designed to help you get more from every purchase.
Why You'll Love the Changes...
More Variety
We're committed to helping you reach your financial goals with a credit card that adds more value when and where you want it most.
- More flexibility
- More variety
- Extra protection
Better Rewards
Select cards will include an automatic rewards upgrade to our exclusive PEFCU Perx benefits, including:
- More ways to cash in points
- Opportunities to earn more where you shop the most
- Upgrade to existing rewards balance
Competitive Rates*
Our rates are still competitive! Select members can qualify for a promotional APR as low as 9.89% for a year, followed by a variable rate as low as 12.99%.*
- Any balance added during the promotional period remains at 9.89% APR until it’s paid off.
- Maximum APR of 17.99%
- No extra fees or surprise rate hikes
*Based on creditworthiness.
More About PEFCU Perx & Card Tiers
Introducing PEFCU Perx Rewards
From groceries to fuel to morning coffee, your everyday purchases will really pay off.
We're upgrading our rewards program to make everyday spending much more rewarding. PEFCU Perx offers an exceptional rewards program that gives you bigger opportunities to earn, easier ways to cash in, and more valuable reward options.
Qualified cardholders earn 1 point for every $1 spent on qualified purchases on everyday transactions, and your current rewards points will be upgraded and counted toward your PEFCU Perx rewards balance. This gives you exclusive access to our new and improved PEFCU Perx reward catalogue, which has a wider array of valuable reward options. Note: Points expire after five years.
PEFCU Visa® Jade Card
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Inspiration |
Like PEFCU's financial partnership with Publix, jade is known for its durability, balance, and enduring value. And that's what you'll get with the PEFCU Visa® Jade Credit Card. |
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PEFCU Perx? |
Yes—you'll earn 1 point for every $1 spent on qualified purchases, and your current reward points balance will be converted to our new rewards program. |
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Promotional Rate |
Your promotional APR for your existing balance and any new transactions will be 9.89% for a full year. |
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Balance Protection |
Any balance remaining after the promotional period will have a 9.89% fixed APR until it's completely paid off. |
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Standard Rate |
Based on creditworthiness. |
PEFCU Visa® Opal Card
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Inspiration |
If you love clarity, balance, and quiet sophistication, then you'll love our PEFCU Visa® Opal Credit Card. It's simple but valuable—easy card management, low variable interest rate, no extras needed. |
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PEFCU Perx? |
No, members who choose the Opal card will not earn PEFCU Perx reward points and must forfeit current reward points. |
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Promotional Rate |
Your promotional APR for your existing balance and any new transactions will be 9.89% for a full year. |
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Balance Protection |
Any balance remaining after the promotional period will have a 9.89% fixed APR until it's completely paid off. |
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Standard Rate |
Based on creditworthiness. |
PEFCU Visa® Topaz Card
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Inspiration |
The PEFCU Topaz Visa® Card represents calmness and dependability, the qualities you need from a secured card that helps you build your credit--and your confidence. |
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PEFCU Perx? |
The Topaz card will not earn any new PEFCU Perx points, but members can keep their current reward point balance and use them to redeem rewards from our PEFCU Perx rewards catalogue (expires after five years). |
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Promotional Rate |
Please see your Change in Terms Letter for any details about promotional rates. |
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Balance Protection |
Yes, your existing balance will stay at the current rate until it's paid off; please see your Change in Terms Letter for details about any other promotional terms. |
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Standard Rate |
Based on creditworthiness. |
Frequently Asked Questions
We're changing our credit card program because we want to give Publix associates and their families the credit card that best fits their unique spending habits, financial goals, and lifestyles—and that's not a one-size-fits-all solution. As your lifelong financial partner, we realize that there are a variety of reasons why our members might prefer a certain credit card type. Sometimes it's rewards, other times it's low interest as they pay off a balance, and at times, a credit card could be used to build or repair credit history. We are confident that you will find these changes more relevant to your credit card usage.
We upgraded your credit card based on a variety of factors, including creditworthiness, your current card type, spending habits, and more. Please review the letter you were sent to see if you may qualify for a different option.
We're going to make the transition as smooth as possible for you. While some of our cardholders might receive a new credit card soon, most cardholders can continue to use their current credit card until further notice. We'll contact you when a new card is on the way.
If you still have questions about our new credit card upgrade, please call (863) 797-1463 during our normal business hours.