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  • Checking & Savings
      • Checking Accounts
      • Savings Accounts
      • Money Market Accounts
      • Certificates
      • Individual Retirement Accounts (IRAs)
      • For College Students
      • For Teens & Parents
      • For Youth & Parents
      • For Businesses
      • Calculators
        Estimate payments, set savings goals and more
      • Overdraft Services
        Check out PSECU's approach to overdraft services and fees
      • Understanding Money Market Accounts
        Learn how you can increase your savings with greater dividends
    Explore Our Rates

    See today's checking, savings, certificate and individual retirement account (IRA) interest rates

    Have questions? Browse our FAQs
  • Credit Cards
      • Classic Card
      • Founder's Rewards Card
      • Penn State Alumni Cards
      • Secured Visa® Card
      • Business Credit Cards
      • Balance Transfers
      • Card Comparison Guide
      • Calculators
        Estimate payments, set savings goals and more
      • Dispute a Credit Charge
        Report unauthorized transactions on your card
      • Is a Balance Transfer Right for Me?
        Find out how consolidating can simplify your finances
    Explore Our Rates

    See today’s credit card rates

    Have questions? Browse our FAQs
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      • Paying Your Loan
        See your loan payment options
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        Save money, simplify your budget and reduce stress
    Explore Our Rates

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    Have questions? Browse our FAQs
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        Check out this six-step guide to start reaping tax benefits
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We apologize for the inconvenience, but our application for membership is currently unavailable. We are currently working to resolve the issue.
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  1. Home
  2. Business Credit Card

Business Credit Card

Enjoy flexible ways to manage your company's spending. PSECU’s Business Credit Card helps you better control your company’s cash flow.

To qualify for the Business Credit Card, you must be a current PSECU member and have a PSECU Business Account.

Learn More

How Our Business Credit Cardholders Achieve More

A business credit card may just be your company’s most important spending tool. Whether you’re paying a vendor or covering an employee’s travel expenses, putting your business charges on a PSECU credit card makes money management easy. At the end of each month or fiscal year, you can easily review all your business expenses at a glance on your e-Statements.

Mobile-Payment Ready
Competitive Rates
Contactless Tap to Pay

Benefits

$0 Cash Advance Fee
Cash advances from thousands of surcharge-free ATMs, with no cash advance fees.
Credit Limits Up to $20,000*
*If qualified.
PSECU-Website-For-Business-Tab-2-Business-Savings-and-Certificates-1

Business-Level Security

We take your company’s financial security very seriously. We monitor suspicious financial behavior on your credit card account for free.

PSECU-Website-Business-Credit-Card-2-Visa-Benefits
Visa® Benefits
  • Extra purchase protection: Protection on lost or damaged retail goods and supplies you buy with your debit/credit card.
  • Business travel benefits: Visa® may offer rental car collision and theft coverage when you use your card, as well as travel assistance services such as replacing lost plane tickets. Ask a PSECU representative for more information on Visa card travel benefits.
PSECU-Website-Business-Credit-Card-2-PSECU-Benefits-1
PSECU Benefits
  • Account Alerts: You can enroll in account alerts within online banking or the mobile app. When you do, we’ll email and/or text you about unusual activity on your credit card.
  • Lock\unlock option: Misplace your card? You can immediately lock it from online banking or our mobile app. Once you find your card, unlock it and you’re back in business.

What to Know

Applying for a PSECU Business Credit Card

  • To qualify for the Business Credit Card, you must be a current PSECU member and have a PSECU Business Account.

    Not a Member? Join Now
  • To join PSECU as a business, all business owners must be existing PSECU members, and your business must be located in Pennsylvania. See PSECU Business Products and Services for all the benefits available to you.

    Open a Business Account
  • You're all set. Apply for a business credit card by completing a paper application. View Paper Application

Current Card Rates

Valid as of XX/XX/XXXX

Description APR*
Business Visa Classic Purchase 9.90%
Business Visa Classic Cash Advance 9.90%

*APR denotes Annual Percentage Rate.

Fees

Fee Type Cost
Annual Fee
$0
Foreign Transaction Fee
$0
Annual Fee
Cost:
$0
Foreign Transaction Fee
Cost:
$0

Browse Common Questions

  • Yes. Co-applicants should apply with you when you open your credit card account. We’ll need current identification, and income and contact information for all applicants.

    If you just want to add an authorized user, you can do that, too. For instance, you might add employees or your business manager to your account as authorized users. These individuals are allowed to use your business credit card account but aren’t legal account owners.

    Only the primary cardholder can add authorized users to your Business Credit Card Account.

  • Yes. You can have your account set up to automatically transfer your monthly Visa® payment from any PSECU share account. You can choose to pay the minimum payment, a specific amount higher than the minimum payment, or the amount necessary to avoid finance charges. These payments are transferred automatically from your account on the 25th of every month. 

    To set up a Visa automatic payment, please call us at 800.237.7328.

View All FAQs

Browse Helpful Resources

Article
The Benefits of Having a Free Business Checking Account
Article
How Small Business Owners Can Build Business Credit
Article
5 Things to Do Before Starting Your Own Business
Article
The Benefits of Having a Free Business Checking Account
Article
How Small Business Owners Can Build Business Credit
Article
5 Things to Do Before Starting Your Own Business
Article
The Benefits of Having a Free Business Checking Account
Article
How Small Business Owners Can Build Business Credit
Article
5 Things to Do Before Starting Your Own Business
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Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member
Need to talk to us directly?
800.237.7328
Routing #: 231381116
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