Pay Less Interest with the Classic Card
From limited-time offers to a low, everyday purchase APR, our Classic Card gives you three ways to save on interest.
Three Ways to Save with Our Classic Card
0.00% APR1 on Purchases
For Classic Cards opened between October 1 - December 31, 2026, get 0.00% Intro APR for up to 12 months on purchases made in your first three months. You must open your Classic Card and make your first purchase by December 31, 2026.
Get a low 9.90% purchase APR once the promo ends, which could help you save hundreds on interest in just a few months3.
BONUS! Use your card in digital banking – even before your physical card arrives in the mailbox.
0.00% APR2 on Balance Transfers
Don’t pay interest until Fall 2027! Transfer a balance to your Classic Card and enjoy 0.00% APR, good until September 30, 2027 on transfers made between October 1 - December 31, 2026.
A 2.9% balance transfer fee applies to each balance transfer that posts to your account during the promotional period.
Once the promo ends, you’ll get a low 9.90% balance transfer APR.
Low, Everyday 9.90% Purchase and Balance Transfer APR4
Keep on saving after the promos end. With our Classic Card, you can enjoy a low 9.90% APR on purchases and balance transfers – a rate less than half of what most cards charge3, which can make carrying a balance more manageable.
Whether you’re financing a larger purchase or carrying a balance from month to month, our low, everyday rate can help you keep more money in your pocket.
One of These Rates Is Not Like the Others
Check out some popular credit card purchase rates (valid as of July 1, 2026) and see how our Classic Card stacks up:
| Description | APR |
|---|---|
| PSECU Classic Card | 9.90% Fixed |
| Wells Fargo Active Cash® Card | 18.49%, 24.49%, or 28.49% Variable |
| Chase Freedom Unlimited® | 19.49% - 28.24% Variable |
| Capital One® Venture® Rewards Credit Card | 19.99%, 26.24%, or 29.99% Variable |
One of These Rates Is Not Like the Others
Check out some popular credit card purchase rates (valid as of October 1, 2026) and see how our Classic Card stacks up:
What Sets Our Classic Card Apart?
- No annual fee4
- Low APR4 on all purchases
- Balance transfer promotional offer
- Credit line of up to $30,000, if qualified
- Free credit score service5
- Mobile payments
- No cash advance fees (access funds through 85,000+ ATMs in our network)
| Description | APR* | |
|---|---|---|
| Visa Classic Intro Purchase Promotional Rate | 0.00% | |
| Visa Classic Balance Transfer Promotional Rate | 0.00% |
| Description | APR* | |
|---|---|---|
| Visa Classic Purchase | 9.90% | |
| Visa Classic Cash Advance | 11.90% | |
| Visa Classic Balance Transfer | 9.90% |
Already have a Classic Card? You might be eligible for a credit limit increase. Complete an application to request a credit line increase on your Classic Card.
Take control of high-interest balances by moving them to the Classic Card. With our promotional balance transfer rate, you can consolidate what you owe and stay focused on paying down your debt without worrying about interest until Fall 2027.
Fees
$0
$0
Achieve More with PSECU
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.
1 PSECU Visa® Classic Card/Visa® Alumni Classic Card/Secured Visa® - Introductory APR Offer: APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of 0.00% APR for purchases made with newly acquired Visa Classic Card, Visa Alumni Classic Card, and Secured Visa credit cards opened by members between 10/1/2026 and 12/31/2026. To activate the introductory rate, your first purchase must post to your account by 12/31/2026. Once activated, you will have 3 months from the date your first purchase posts to your account to make additional purchases at 0.00% APR. This is referred to as the “Purchase Window”. To be eligible for the 0.00% APR, all purchases must post to your account during the Purchase Window. The 12-month Promotional Period for the 0.00% APR begins on the date your first purchase posts to your account (the “Promotional Period”). If you make multiple purchases throughout the Purchase Window, only purchases posting to your account on that first day will receive the full Promotional Period of 12 months. Additional purchases posting to your account after the date your first purchase posted to your account will receive 0.00% APR, but only for the remainder of the 12-month Promotional Period.
Example: If your first purchase posts on 12/1/2026, you will receive 0.00% APR on that purchase for the full 12-month Promotional Period through 12/31/2027 (Promotional Period end date). The 3-month Purchase Window ends on 3/1/2027. You may make additional purchases at the promotional rate through 3/1/2027 (end of the 3-month Purchase Window). Any purchases made during the Purchase Window, such as one that posts on 2/1/2027, will also receive 0.00% APR through 12/31/2027 (the same Promotional Period end date as the first purchase but resulting in 10 months at the 0.00% APR).
After the Promotional Period ends, any remaining balance from those purchases (and any new purchases posted after the Purchase Window) will be subject to the standard APR for purchases, which is 9.90% as of 10/02/2026 01:25:31 AM and is subject to change at any time. Purchases are limited to the available credit of your Visa credit limit. Cash advances and balance transfers are not eligible for this introductory rate. PSECU Visa Business Cards are not eligible for this introductory rate offer. Subject to credit approval. See your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure and Visa Classic, Visa Alumni Classic, and Secured Visa Credit Card Account Opening Disclosure for terms of your Visa Classic Card and how payments will be applied. PSECU is not responsible for delays caused by force majeure, acts of God, or third parties in the posting of your purchases. PSECU may terminate this introductory rate offer at any time and without any notice. PSECU will honor this introductory rate for any applications in process on the date of such termination.
2 PSECU Visa® Classic Card/Visa® Alumni Classic Card/Secured Visa® - Promotional Visa Balance Transfer Rate Offer: PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on 10/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until 9/30/2027. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 9.90% APR as of 10/02/2026 01:25:31 AM and is subject to change at any time. A Balance Transfer Fee equal to 2.9% of each transfer will be charged when the transfer posts to your account. This fee is separate from any interest or other charges. The total of the balance transfer amount and the Balance Transfer Fee cannot exceed your available credit limit. APR denotes Annual Percentage Rate. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure. A minimum of $250 must be requested for balance transfers through digital banking. The 0.00% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s), or co-maker(s). Balance transfers access credit under the terms of your Visa account as stated in the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure.
3The average APR of credit card accounts carrying a balance was approximately 21% in October 2026 (Federal Reserve). The average credit card balance was approximately $6,768 in 2025 (Experian). Based on a simple annual interest comparison using these figures, a 9.90% APR could reduce annual interest costs by up to hundreds over time. Illustrative example only. Actual savings may vary.
4 APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure for full terms and conditions.
5 PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
0.00%
Introductory APR until December 31, 2026.
After that, Your APR will be 9.90%. |
| APR for Balance Transfers |
0.00% Introductory APR until September 30, 2027. After that, Your APR will be 9.90%. |
| APR for Cash Advances | 11.90% |
| Paying Interest | 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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore . |
| Fees | |
| Set-up and Maintenance Fees | |
| - Annual Fee | None |
| - Account Set-up Fee | None |
| - Program Fee | None |
| - Participation Fee | None |
| - Additional Card Fee | None |
| - Application Fee | None |
| Transaction Fees | |
| - Balance Transfer Fee | 2.90% of the amount of each transfer |
| - Cash Advance Fee | None |
| - Foreign Transaction Fee | None |
| - Transaction Fee for Purchases | None |
| Penalty Fees | |
| - Late Payment Fee | Up to $20.00 |
| - Over-the-Credit Limit Fee | None |
| - Returned Payment Fee | None |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).* See Your Account Agreement for more details.