Classic Card

Our low rates for purchases and balance transfers help you save on interest charges.


  • No annual fee
  • Credit line of up to $30,000, if qualified
  • Cash advances: Access funds through nearly 30,000 surcharge-free ATMs in our network with no cash advance fees
  • Free credit score service*
Low 9.9% APR** on all purchases

Mobile-payment ready

Quickly lock/unlock card

Low-Rate Balance Transfers

When you move higher-rate credit card balances to your Classic Card, you may be able to pay off your debt even faster. Our balance transfers feature:

  • No fees for balance transfers, applications, or inactivity
  • Easy, online transfer process through digital banking

Current Rates

Valid as of 11/28/2021 9:51 AM EST 
Description APR*
Visa Classic Purchase 9.90%
Visa Classic Cash Advance 9.90%
Visa Classic Balance Transfer 2.9%

*APR denotes Annual Percentage Rate

PSECU 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.


Description Amount
Annual fee $0
Balance transfer fee $0
Cash advance fee $0
Late fee Up to $20
Foreign transaction fee $0

* 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.
**APR denotes Annual Percentage Rate