Choose the Card for You

Our Classic Card and cash rewards Founder’s Card give you the flexibility you need. Already started? Resume Application or Check Status

Classic Card

Classic Card
  • Low interest rate on purchases and cash advances
  • Add to Apple Pay®, Google Pay®, Samsung Pay, and the PSECU Wallet (for Android devices)
Rates
Visa Classic Purchase 9.90%  Visa Classic Balance Transfer1 2.9% 
Fees
Annual Fee $0 Balance Transfer Fee $0 Cash Advance Fee $0 Late Fee Up to $20 Foreign Transaction Fee $0

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Learn more about the Classic Card

Founder's Card

founders 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)
Rates
Founder's Card Purchase 12.40%  Founder's Card Balance Transfer3 3.9% 
Fees
Annual Fee $0 Balance Transfer Fee $0 Cash Advance Fee $0 Late Fee Up to $27 Foreign Transaction Fee $0

ALREADY A MEMBER?

Learn more about the Founder's Card


1PSECU Visa® Classic and Visa® Alumni Classic Card: When you take advantage of the 2.9% Annual Percentage Rate (APR) 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 12/31/2022; 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(s) 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% Annual Percentage Rate (APR) promotional offer, Visa® Founder's Card/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 12/31/2022; 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/Visa® Alumni Rewards Card account as stated in the PSECU Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement.