Business Credit Cards

Flexible Ways to Manage Your Company’s Spending

PSECU’s Business Credit Card helps you better control your company’s cash flow. Easily track expenses by project, department, or employee.

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-Statement.
If you make digital payments, good news: You can add your PSECU Business Credit Card to Apple Pay®, Google Pay®, Samsung Pay, and the PSECU Wallet (for Android devices).  

Business Credit Card benefits

Our card features:


  • No annual fee
  • Competitive purchase rate, currently 9.9%*
  • Credit lines of up to $20,000, if qualified
  • Cash advances from thousands of surcharge-free ATMs, with no cash advance fees
  • 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**
  • Extra purchase protection on lost or damaged retail goods and supplies you buy with your card**

Low-rate balance transfers

Move higher-rate business credit card balances to your PSECU Business Credit Card and save money right away. Our balance transfers feature:


  • No PSECU balance transfer fee, application or inactivity fees
  • Low rates on transferred balances: Currently 2.9%*

Business-level security

We take your company’s financial security very seriously. We monitor suspicious financial behavior on your credit card account for free. You can also 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. Other security features include:
  • 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. Learn more about the lock/unlock feature.
  • Zero liability for fraudulent purchases: If your business card is lost or stolen, you owe nothing for unauthorized transactions.

Apply for a PSECU Business Credit Card

It’s easy to apply for a PSECU Business Credit Card. Before you start your application, here are a few things you need to know:

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

Business Credit Card FAQs

Business Credit Cards

Yes. Because we’re a credit union, you must be a member before you can apply for a credit card. If your business operates in Pennsylvania, you’re probably eligible to join PSECU. Learn more about the many ways to be a member.

Before you can apply for a PSECU Business Credit Card, you must first have a Business Account with us. Learn more about opening a Business Account.

Yes! Our Business Credit Card works with Apple Pay®, Google Pay®, Samsung Pay, and the PSECU Wallet (for Android devices).

We can usually give you an answer quickly. However, we sometimes need extra information before we can make a decision.

To check the status of your application, please call us to talk to a PSECU representative. Reach us Monday-Friday, 9 a.m. to 5 p.m. (ET), at:

  • 800.237.7328, nationwide (USA)
  • 717.255.1760, outside the USA; not a toll free number; normal charges apply

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.

After you’re approved, your card should arrive by mail in about 7 to 10 business days. 
* When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as a cash advance and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/21; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.9% APR and subject to change. Payments will be applied as stated in your Visa Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 2.9% 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 Consumer Credit Card Agreement.

** Ask a PSECU representative for more information on Visa card travel benefits.
Business loans are available to businesses located within the state of Pennsylvania only. This is determined by the physical location of the company’s home office.