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 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
 
Apply Now

Already a Member?

Learn more about the Classic Card

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
13.90% 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?

Learn more about the Founder's Card

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.

Visa Signature® Card benefits are automatically provided for credit lines of $5,000 or more.

Your Founder’s Card will have the word “Signature” beneath the Visa logo on the bottom right to indicate you have the Visa Signature® benefits.

As a Founder’s Card, the same rates and rewards as well as terms and conditions will apply. The only difference is it also comes with additional no-cost-to-you benefits:

  • Roadside Dispatch®
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Warranty Manager Service

Learn more about Visa Signature® benefits.

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! If you have a co-applicant, they should apply with you for the credit card. We’ll ask for current identification, a physical address, a Social Security number (SSN), date of birth, income, and contact information for both of you.
As long as you’re the primary cardholder, you can also add an authorized user. This is someone you allow to use your credit card account. Authorized users can be added during your application process, or later in online banking.
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 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.

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.

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 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 Card 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  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.

Visa Signature® Card benefits are automatically provided for credit lines of $5,000 or more.