Parkvale Bank's Visa Credit Card features include no annual membership fee, 8.74% APR for credit purchases for the first 36 months and 7.74% APR for cash advances and balance transfers for the first 36 months. The rewards of this credit card include membership fee waived for the first year, one point awarded for each dollar of net purchases, points for round-trip airfare beginning at 25,000 points and gift certificates, name-brand merchandise and other rewards available.