PALCO VISA® Cards


PALCO VISA® Classic Credit Card

A great card like ours can put a smile on anyone's face. No other card offers you greater financial flexibility and freedom. PALCO's VISA® card is Simple. Apply now quickly and easily online for your own PALCO VISA® Credit Card or apply online to increase your current PALCO VISA® credit limit, up to $25,000.00!

Always Low Fixed 8.9% APR on purchases, balance transfers, and cash advances.

  • No annual fee

  • No balance transfer fees

  • No cash advance fees

  • Up to $25,000.00 credit limit

  • Auto rental damage benefits

  • Worldwide acceptance

  • No foreign transaction fees

*some restrictions apply

Plus, you can manage your VISA® card online. Make payments, check account balances, and more through VISA® Online located in our PALCO@Home Online Banking system!

Add extra protection when you shop online with Verified by VISA®!

It's quick and easy to transfer high interest balances to your PALCO VISA® credit card! Download the balance transfer form and return it to our office. You will see the balance transfer on your next 1 - 2 billing statements.

Important Numbers:

VISA® Member Service: (855) 851-5321
Lost or Stolen VISA® (during PALCO hours): (570) 546-2333
Lost or Stolen VISA® (after hours): (855) 851-5321
International Number: (301) 287-3283
Disputes: (855) 851-5321


PALCO VISA® Rewards Credit Card

When it comes to rewards programs, the toughest part should be choosing your reward! That’s why we’re giving you the choice to choose! With our brand-new VISA® Rewards credit card, you will earn points every time you make a purchase with your VISA® Rewards credit card! Earn 1 point per every dollar spent on ALL your purchases - wherever you shop!

With our uChoose Rewards® Program you can redeem points for the rewards you want most! Choose from cash back, gift cards, travel, event tickets and more! The choices are endless! You can also earn additional points for shopping at participating retailers at www.uchooserewards.com.

Our PALCO VISA® Rewards Credit Card offers a Low Fixed 13.9% APR on purchases, balance transfers, and cash advances. Plus: No annual fee. No balance transfer fees. No cash advance fees. Up to $25,000.00 credit limit. Auto rental damage benefits. No foreign transaction fees.

What is uChoose Rewards?

It's a rewards program that earns you points every time you use your PALCO VISA® Rewards card for purchases.

  • Shop - With uChoose Rewards you can shop like you normally would, in store or online, and watch the rewards add up

  • Earn Points - Simply use your PALCO VISA® Rewards Card to shop for everyday needs and more. Every dollar spent = 1 point! Earning points is that easy

  • Enjoy Your Rewards - After you have earned a minimum of 1,500 points, redeem your points for exciting options like the latest electronics, trendy clothing, airline tickets – and more

  • We keep track of your points for you - just register your PALCO VISA® Rewards card online at uChooseRewards.com and check your points balance anytime

Switch Your Visa® Classic to a Visa® Rewards Credit Card!

It's easy to switch your VISA® Classic to our VISA® Rewards credit card. Simply fill out a VISA® change in terms agreement form and return it to our office, or call (570) 546-2333 option #4. If you would like to increase your current credit limit and also switch to the VISA® Rewards card you must apply online to increase your current limit, up to $25,000.00!

Check Your VISA® Rewards Point Balance: at uChooseRewards.com.

Don't have a PALCO VISA®? Apply for a VISA® Rewards Credit Card Online anytime!

It's quick and easy to transfer high interest balances to your PALCO VISA® Rewards credit card! Download the balance transfer form and return it to our office. You will see the balance transfer on your next 1 - 2 billing statements.

Important Numbers:

VISA® Member Service: (855) 851-5321
Lost or Stolen VISA® (during PALCO hours): (570) 546-2333
Lost or Stolen VISA® (after hours): (855) 851-5321
International Number: (301) 287-3283
Disputes: (855) 851-5321