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

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Learn more about the Classic Card

Founder's Card

PSECU Placeholder
  • 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

Already a Member?

Learn more about the Founder's Card

FAQs About Choosing a Card

 

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.