Classic Card
Our low rates for purchases and balance transfers help you save on interest charges.
New Classic Card holders can earn a $2001 cash bonus when you spend $1,000 and meet promo requirements. See full terms & conditions for details.
How Classic Cardholders Achieve More
PSECU Classic Cardholders enjoy the following benefits:
- No annual fee1
- Credit Line of Up to $30,000, if qualified
- Free credit score service2
- Low APR1 on all purchases
- Low-rate balance transfers with $0 PSECU balance transfer fee
- Mobile-payment ready
- Cash Advances: Access funds through nearly 85,000+ ATMs in our network with no cash advance fees
| Description | APR2 | |
|---|---|---|
| Visa Classic Balance Transfer Promotional Rate | 2.90% 3 |
| Description | APR* | |
|---|---|---|
| Visa Classic Purchase | 12.90% | |
| Visa Classic Cash Advance | 14.90% |
You could save when you transfer balances to our Classic Card and enjoy our promotional rate of 2.90% APR3. With our low balance transfer rate and $0 PSECU balance transfer fees, the savings stay with you.
Already have a Classic Card? You might be eligible for a credit limit increase. Complete an application to request a credit line increase on your Classic Card.
Since we have no PSECU balance transfer fee, the savings stay with you! Plus, you can transfer balances to the Classic Card as many times as you’d like at our promotional rate and with no PSECU balance transfer fee (up to your available credit limit), so you can stay on top of your debt for years to come.
Fees
$0
$0
Achieve More with PSECU
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.
1 APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure for full terms and conditions.
2PSECU 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.
3 Promotional Visa Balance Transfer Rate Offer– PSECU is offering a promotional rate of 2.90% APR on all Visa balance transfers that post to your account on July 1, 2025 through September 30, 2025 (“promotional period”). Any Visa balance transfers that post to your account after September 30, 2025, are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until December 31, 2026. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 12.90% APR as of 07/01/2025 and is subject to change at any time. APR denotes Annual Percentage Rate. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure. A minimum of $250 must be requested for balance transfers through digital banking. The 2.90% 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, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure at psecu.com/disclosures.