fbpx Skip nav to main content.

Rewards Driven Credit Card

Reward Yourself With Great Merchandise, Travel and Cash Back!

Apply Online

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

 
 

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

Free LifeLock Subscription for Rewards Driven Credit Card Holders

Norton LifeLock logo
PDCU members with a Visa PDCU Rewards Driven Credit Card can enjoy a complimentary LifeLock subscription, which offers essential identity theft protection and monitoring services.
 
Learn More About LifeLock

Credit Card Rate

Card Type

 Visa Rewards Driven Credit Card

Minimum Payment

 3% of Balance, $30 Minimum

Term Rate (APR*)


as low as¹

 13.50%

Intro Rate (APR*)


First 6 Months

 3.99%

Frequently Asked Questions

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.
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.
There are no application fees or balance transfer fees, but there are a few fees to be aware of: [table id="1771"]
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.
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.
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.
Credit cards.If your People Driven Credit Union Visa Rewards Driven Credit Card is lost or stolen, or if you suspect unauthorized use, notify us immediately. "Unauthorized use" refers to any use of the card by someone without your permission, where you receive no benefit.
To report your Rewards Driven Credit Card as lost or stolen, call us at 844-700-7328 immediately.
After hours ONLY: Report a lost or stolen People Driven Credit Union Visa Rewards Driven Credit Card by calling 800-543-5073.
After your call, please follow up with a written notice to:

Credit Card Security Department PO Box 30035 Tampa, FL 33630

We may ask for your help in investigating the loss or unauthorized use. Your liability for unauthorized charges will only apply if it can be proven that you were negligent in handling the card or if you engaged in fraudulent use.
To report a lost or stolen PDCU ATM or Visa Debit Card, visit our FAQs on ATM/Debit card loss or theft.
There are several convenient ways to make a payment on your People Driven Visa Credit Card:
  • Online: Log into online banking, select "Transfer," choose the account you're transferring from, and select your Visa card as the transfer destination. You can also set up automatic payments to ensure you never miss a due date.
  • Mobile App: Make payments directly through the PDCU mobile app.
  • By Phone: Call 844-700-7328 to make a payment with a debit card or have a representative transfer a payment from your PDCU savings or checking account.
  • By Mail: You can mail your payment to:
    • People Driven Credit Union 24333 Lahser Rd Southfield, MI 48033
    • Or to PO BOX 984 Southfield, MI 48037
  • In Person: Visit any PDCU branch to make your payment in person.
Setting up automatic payments will ensure you never miss a due date, and you can change the frequency to suit your needs.

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. Your $5 deposit into this account secures your share in the credit union, giving you access to our full range of services and benefits. The Annual Percentage Yield (APY) for this account is 0.01%, and the minimum deposit is $5.00.