Credit Cards

All New People’s Credit Card will have a 0% intro APR

We have combined the best offers in the market into our PEOPLE’S Credit Card. Enjoy 0% intro APR on purchases (not for balance transfer or cash advance) for 6 months for every new credit cards up to $20,000!

  • 0% intro APR*

  • $0 Annual Fee

  • Earn Rewards

  • No minimum credit score required

Any member or new member who is applying for the first time for a PEOPLE'S Credit Card, or had a PEOPLE'S credit card in the past and has been closed for at least 2 years.

- Amount up to $20,000
- 0% intro APR for purchases only for 6 months. 0% intro APR doesn’t apply for Cash Advance nor Balance Transfers
- Standard APR after offer is still affordable and based on applicant's credit worthiness
- 0% intro APR offer starts from the issuing card date and ends 6 months after
- Earn reward point with ScoreCard Reward program
- No annual fee
- No minimum credit score required
- Low Balance Transfer fee of 3% with a maximum of $50

Features of LES People’s Credit Cards

  • Low APR*

  • No Annual Fee

  • 5-day grace period after the due date before penalty charges apply

  • Accepted at over 14 million locations worldwide

  • Add it to your preferred Digital Wallet app

  • Penalty rate never higher than 18% APR

  • Participates in ScoreCard Reward program

  • Real-time Fraud Text and Email Alerts

  • Protect your card with the CardNav app. Download for Android or download for IOS

  • Zero Liability Protection : You pay only for the purchases you have authorized on your Mastercard, and you won't be held liable in the event of an unauthorized purchase. This coverage extends to purchases made in stores, over the phone or online.

SCORE Reward Points

Sign up for rewards at www.scorecardrewards.com.

If you need assistance with signing in, resetting password, or updating your user profile, please call (800) 854-0790. SCORE Reward program hours of operation are 9:00 a.m. – 11:00 p.m. (EST) Monday to Fridays or visit www.scorecardrewards.com.

Balance Transfer

If you already have a Credit Card with us, fill out the Balance Transfer Form to transfer your high-interest balance from another institution to us and save money. Our Balance Transfer (not promotional) rate is 18% APR and fee is only 3% with a maximum fee of $50.00. If you don’t have a Credit Card with us already, apply above.

Helpful Numbers

*APR = Annual Percentage Rate. All interest rates are based on credit worthiness and subject to change without notice. All loans are subject to credit approval.

 

Not a credit union member yet? Become a member.

See our current Loan Rates & Fees.

Contact one of our Member Service Representatives if you have additional questions at (212) 529-8197 or by emailing lespfcu@lespfcu.org.