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Platinum Credit Card

Our low rates give you more money to spend on everything you need.

Some people want to have low-interest rates. Others want to maximize points and earn valuable rewards. Others are focused on establishing a good credit rating. At Piedmont Advantage Credit Union, we understand that everyone has different needs. We offer two types of Mastercards for members. Each option comes with worldwide buying power, with no international transaction fees, along with cash access at one of our North Carolina ATMs and 30,000+ surcharge-free ATMs in the CO-OP Shared Network across the country.


  Mastercard® Platinum
  • Fixed interest rates as low as 10.90% APR
  • No annual fee and never a balance transfer fee
  • No fee for cash advances; same low rate as purchases
  • Chip Technology
  • Contactless and Digital Wallet Technology
  • Liability protection for unauthorized purchases1
  • Mastercard ID Theft ProtectionTM & Mastercard Airport ConciergeTM
  • Priceless Cities Offers and Experiences & Mastercard Golf
  • Rideshare Protection2 & Travel Accident Insurance with Baggage Delay2
  • Cash access at over 200,000 ATMs throughout North Carolina with no international transaction fees
  • Receive mobile alerts regarding card use and monitor spending and suspicious activity



Need to transfer a balance?

Stop by your local North Carolina branch, give us a call at 800-433-7228 or fill out the Balance Transfer Request form and fax it to 336-776-1111

Mastercard® Guide to Benefits

Mastercard® Disclosures

Mastercard Credit Card Application and Solicitation Disclosure

1.  Certain restrictions apply.  See for details.

2.  Certain restrictions apply.  For details, see the Guide to Benefits.  Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage.  Coverage is provided by New Hampshire Insurance Company, an AIG company, or Warranty Guard, an AIG company for price protection and Satisfaction Guarantee, or Federal Insurance Company for Travel Accident, and Emergency Medical.  All benefits except Travel Accident provide secondary coverage only.

Credit Card Special

Check out our current Credit Card Special!

Check Your Loan Status

If you have applied online or directly with our lending department starting 8/26/2021 and would like to check the status of your loan or to upload requested documents, click below.

New to Piedmont Advantage?

If you live, work, worship or attend school in the North Carolina counties of Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham or employed by one of our many employer companies, you are eligible to join.

Piedmont Advantage Credit Cards

What are you waiting for?

Offers you the most popular card management features the financial industry has to offer!

  • Access your account using biometric log-in capabilities for convenience and security.
  • View up to a 90-day transaction history.
  • Schedule and confirm payments to your card balance from your checking or savings.
  • Lock and Unlock card usage from your mobile device.
  • Submit travel notifications.

Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work, worship or attend school in one of the 13 counties it serves in North Carolina or who are employed by one of its many employer companies. These 13 counties are Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service regions and employs a workforce of over 120.

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