Choose the Card for You

Our Classic Card and cash rewards Founder’s Card give you the flexibility you need.
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Classic Card

Classic Card
  • Low interest rate on purchases and cash advances
  • Rate hasn't increased in more than 10 years and is subject to change
  • 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
  • 2%2 or 1.5% cash rewards on every purchase; no limit on reward earnings and rewards never expire
  • Visa Signature® benefits are automatically provided for credit lines of $5,000 or more
  • Add to Apple Pay®, Google Pay®, Samsung Pay, and the PSECU Wallet (for Android devices)
Rate for Purchases
12.40% Balance Transfer Rate3 3.9%
Fees
Annual Fee $0 Balance Transfer Fee $0 Late Fee Up to $27 Foreign Transaction Fee $0

1PSECU Visa® Classic and Visa® Alumni Classic Card: 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 9.90% APR and subject to change. Payments will be applied as stated in your Visa® Classic and Visa® Alumni 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 and Visa® Alumni Classic Consumer Credit Card Agreement.

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

3PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card and Visa® Alumni Rewards Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% 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 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 and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital 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 Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement.