Credit union · NCUA insured
Provident Credit Union Credit Card Rates
Provident Credit Union credit card rates start at 14.15% APR. Rates checked October 17, 2026.
How Provident Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Provident Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Provident Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
San Francisco Federal Credit Union
7.45%APR
- Up to
- 17.99% APR
2nd-lowest rate
Sheet Metal Workers Local 104 Federal Credit Union
7.90%APR
- Up to
- —
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back Visa Signature®
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49%–18.00% | None | Variable purchase APR based on creditworthiness and varies with the market based on the Prime Rate. No annual fee. |
Provident College Share Secured Visa®
Students must be 18+ years old to open. Must provide government-issued ID, valid student ID or proof of enrollment/acceptance and source of income. Credit union deposit(s) must be pledged to secure the Visa, with a minimum pledge of $600 and at least 120% of the approved credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 12.15% | None | Introductory purchase APR during the first 6 months on account opening. No annual fee. |
| Ongoing | 14.15% | None | Thereafter regular purchase APR after introductory 6 months. Variable based on Prime Rate and creditworthiness. No annual fee. |
Provident College Visa®
Co-applicant (parent/guardian) required if member is under the age of 21 and cannot show proof of income; otherwise co-signer is optional.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 17.25% | None | Introductory purchase APR during the first 6 months of account opening. No annual fee. |
| Ongoing | 18.00% | None | Thereafter regular purchase APR after introductory 6 months. Variable based on Prime Rate and creditworthiness. No annual fee. |
Provident Share Secured Visa®
Credit union deposit(s) must be pledged to secure the Visa, with a minimum pledge of $600 and at least 120% of the approved credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 12.15% | None | Introductory purchase APR during the first 6 months on account opening. No annual fee. |
| Ongoing | 14.15% | None | Thereafter regular purchase APR after introductory 6 months. Variable based on Prime Rate and creditworthiness. No annual fee. |
Provident Visa®
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 12.15%–17.15% | None | Introductory purchase APR for the first 6 months on account opening. No annual fee. |
| Ongoing | 14.15%–18.00% | None | Thereafter regular purchase APR after introductory 6 months. Variable based on Prime Rate and creditworthiness. No annual fee. |
Rewards Provident Visa®
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 13.15%–18.00% | None | Introductory purchase APR for the first 6 months on account opening. No annual fee. |
| Ongoing | 15.15%–18.00% | None | Thereafter regular purchase APR after introductory 6 months. Variable based on Prime Rate and creditworthiness. No annual fee. |
Sources (2)
All captured Oct 7, 2026
World+ Travel® Visa Signature®
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 16.49%–18.00% | None | Introductory annual fee of $0 for the first 12 billing cycles, then $45 thereafter. Variable purchase APR based on Prime Rate and creditworthiness. |
| Ongoing | 16.49%–18.00% | $45 | Post-introductory regular annual fee of $45 after the first 12 billing cycles. Variable purchase APR based on Prime Rate and creditworthiness. |
Who can join Provident Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible for membership based on where you live or work in Alameda County, City of Los Angeles, Contra Costa County, El Dorado County, Humboldt County, Monterey County, Placer County, Sacramento County, San Francisco County, San Mateo County, or Santa Clara County.
Employers and groups
- You are eligible for membership if you are an employee of a company belonging to one of the specified Chambers of Commerce.
- You are eligible for membership if you are employed by one of the qualifying participating employers.
- You are eligible for membership through membership or affiliation with one of the listed unions or associations.
Military, government and schools
- You are eligible for membership through affiliation with listed universities, colleges, schools, alumni associations, or teachers associations.
Family and household
- You are eligible for membership if you are related by birth, marriage, or adoption to, or live in the same household (maintaining a single economic unit) as, a current Provident Credit Union member.
1 more way to join
Family and household
- Members may sponsor immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) who are U.S. citizens or permanent residents.
Membership information collected October 5, 2026.