Choose the Card for You

Earn cash rewards and save on your interest rate. Our Classic Card and cash rewards Founder’s Card give you the flexibility you need. 

Classic Card

Classic Card
  • Low interest rate on purchases and cash advances
  • Rate hasn't increased in more than 10 years
  • Add to Apple Pay®, Google Pay®, Samsung Pay™, and the PSECU Wallet (for Android devices)
Rate for Purchases
9.90% Balance Transfer Rate1 2.9%
Fees
Annual Fee $0 Balance Transfer Fee $0 Late Fee Up to $20 Foreign Transaction Fee $0

Founder's Card

Founders Credit Card
  • 1.5% or 2% cash rewards on every purchase; no limit on reward earnings2
  • Rewards never expire
  • Add to Apple Pay®, Google Pay®, Samsung Pay™, and the PSECU Wallet (for Android devices)
Rate for Purchases
14.40% Balance Transfer Rate3 3.9%
Fees
Annual Fee $0 Balance Transfer Fee $0 Late Fee Up to $27 Foreign Transaction Fee $0

FAQs About Choosing a Card

Yes. Because we are a credit union, you must be a member in order to have a loan with us. However, joining is easy. 

To keep things simple, you will automatically apply for PSECU membership within the Classic or Founder’s Card application. 
Yes! Get more information about discounts on tax preparation and computers, free credit score access4, and more.
We may give you an answer within minutes if you apply for one of our credit cards online or by phone. However, we sometimes need extra information before we can make a final decision. 
Yes! Your co-applicant, if applicable, must apply with you when you fill out a credit card application. We’ll need current identification, and income and contact information for both of you. 

If you want to add an authorized user, you can do that, too. An authorized user is someone whom you allow to use your credit card account but who isn’t a legal account owner. 

If you want to add an authorized user to your credit card account, you need to be the primary cardholder. 
After you’re approved, your card should arrive by mail in about 7 to 10 business days. 

Sure! Call us Monday-Friday, 8 a.m. to 9 p.m. (ET), and Saturday, 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

You can also check the status by resuming your application. We’ll also notify you of our decision typically within several days of your application.

 

1 PSECU Visa® Classic Card: When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as cash advances and will accrue interest at 2.9% APR from the time the transaction posts until 12/31/19; 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 online 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.

2 You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on all purchases if you maintain a PSECU checking account and qualifying monthly direct deposit of at least $500. See the PSECU Visa® Founder's Card Rewards Program Terms and Conditions for full details.

3 PSECU Visa® Founder's Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card balance transfers will be treated as cash advances and will accrue interest at 3.9% APR from the time the transaction posts until 12/31/19; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's Card Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online banking. Our 3.9% 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 do not qualify as eligible purchases for the cash-back reward program. Balance transfers access credit under the terms of your Visa Founder's Card account as stated in the PSECU Visa® Founder's Card Consumer Credit Card Agreement.

4 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.