Credit Cards
We understand that life moves fast, and you need a credit card that keeps up with your lifestyle. Whether you’re looking to earn rewards, build credit, or make a balance transfer, our credit cards are designed to meet your needs with flexibility and security.
Balance Transfers
Balance Transfers with 0% interest for 6 months
At Park Community you can transfer debt from any credit card to the Park Community Classic Rewards Card and get 0% interest for six months**, and — better yet — there’s no balance transfer fee. Save hundreds while you pay down debt and avoid interest. Now that’s something to get excited about.
Park Community VISA Cards Include:
- Special introductory rates – 0% APR on all purchases and cash advances**
- 0% APR on balance transfers for six billing cycles from the transfer date
- No Annual Fee, Balance Transfer Fee, or Cash Advance Fee
- VISA® Zero Liability – No worries if your card is lost or stolen. You will not be held responsible***
Additional VISA Card Features
- Around-the-clock Fraud Protection – 24/7/365
- Secure Online Account Access – Enhance your shopping experience and protect yourself against unauthorized card usage
- Satisfaction Guaranteed Coverage – Return any item up to 60 days after purchase
- VISA® Alerts (get real-time alerts whenever your purchase meets the criteria you selected during enrollment)
Credit Card Rewards
Earn rewards on all 3 Park Community Visa® Cards.
Earn rewards like travel, gift cards, membership, and cash back with Park Community Visa® Cards. Earn one reward point for each dollar spent and save up for the reward of your choice.
Classic Card
For full details on the Classic Park Community Credit Card.
Gold Card
For full details on the Gold Park Community Credit Card.
Platinum Card
For Platinum perks, read more about the Platinum Credit Card.
Cardholder information
Interest Rates & Charges
You will find detailed information about the Park VISA® Credit Card’s interest rates, fees and other charges that could apply to your credit card. We encourage card holders to read these documents to ensure you are fully informed about the possible costs associated with your Park VISA® credit card.
Annual Percentage Rate (APR) for Purchases
0.00% Introductory APR for a period of six billing cycles. After that your APR will be 13.49% to 17.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
0.00% APR for a period of six billing cycles from the transfer date. After that your APR will be 13.49% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate
APR for Cash Advances
0.00% Introductory APR for a period of six billing cycles. After that your APR will be 13.49% to 17.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.50
Report a lost/stolen card or dispute transactions.
For a lost or stolen card, stop by your local branch or call 800.449.7728 After business hours, choose the option for lost/stolen card from the prompt and hold on the line until you speak to a representative.
The fine print
Disclosures and Agreements
You will find important information regarding the terms and conditions associated with the Park Community VISA® Credit Card. These disclosures include details on fees, interest rates, payment schedules and other important information.
Download the Application and Solicitation Disclosure – January 2025
Download Consumer Credit Card Agreement | June 2018
Details
Based on creditworthiness. APR will vary with the market based on the Prime Rate. ** For additional information about the Annual Percentage Rates (APR’s), fees and other costs, see the Application and Solicitation Disclosure. *** Visa’s zero liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa®, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security. † Program is subject to change, restrictions, and conditions. Visit www.curewards.com for details on rewards.