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

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

Apply Now

Already a Member?

Yes No

Learn more about the Classic Card

Founder's 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
14.15%	Balance Transfer Rate³ 3.9%
Fees
Annual Fee $0	Balance Transfer Fee $0	Late Fee Up to $27	Foreign Transaction Fee $0

Apply Now

Already a Member?

Yes No

Learn more about the Founder's Card

FAQs About Choosing a Card

Do I need to be a PSECU member to apply for a Classic or Founder’s 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.

Are there any special perks to being a PSECU member?

Yes! Get more information about discounts on tax preparation and computers, free credit score access⁴, and more.

How long will it take for me to find out if my application for a Classic or Founder’s Card has been approved?

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.

Can I add a co-applicant or authorized user to my Classic or Founder’s Card?

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.

When will I receive my new Classic or Founder’s Card?

After you’re approved, your card should arrive by mail in about 7 to 10 business days.

Can I check on the status of my credit card application?

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.

Learn more about money management.

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 all purchases. With checking and a qualifying Direct Deposit, you can earn 2%. 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.