Classic Card
Enjoy a special intro APR on purchases and keep more of your cash for what matters most.
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.
Two Ways to Save on Interest
Whether you’re paying down debt or facing big expenses, the Classic Card is here to help you move forward without added stress. And right now, we have two awesome limited-time offers that are waiting for you to take advantage of:
0.00% APR1 on Purchases
For Classic Cards opened between October 1, 2025, and March 31, 2026, get 0.00% intro APR for up to 12 months on purchases made in your first 6 months. You must open your Classic Card + make your first purchase by March 31, 2026.
After the intro period, enjoy a low rate of 12.90% APR (subject to change) – which is nearly half of the national average 3.
BONUS! Use your card in digital banking – even before your physical card arrives in the mailbox.
2.90% APR2 on Balance Transfers
Transfer a balance to your Classic Card and you’ll enjoy 2.90% APR, good until March 31, 2027, on transfers made between October 1, 2025 – December 31, 2025.
Plus, you’ll also enjoy $0 PSECU balance transfer fee, meaning the savings stay with you.
You’ll still enjoy a low APR at 12.90% (subject to change) once the promo ends.
What Sets Our Classic Card Apart
- No annual fee4
- Low APR4 on all purchases
- Balance transfer promotional offer
- Credit line of up to $30,000, if qualified
- Free credit score service5
- Mobile-payment ready
- Cash advances: Access funds through 85,000+ ATMs in our networks with no cash advance fees
| Description | APR* | |
|---|---|---|
| Visa Classic Intro Purchase Promotional Rate | 0.00% | |
| Visa Classic Balance Transfer Promotional Rate | 2.90% |
| 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.
Ready to Get Started?
Just apply. If you’re approved, you can start using your Classic Card in digital banking, even before your physical card arrives.
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 PSECU Visa Classic Card/Visa Alumni Classic Card/ Secured Visa Introductory APR Offer: APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of 0.00% APR for purchases made with newly acquired Visa® Classic Card, Visa® Alumni Classic Card, and Secured Visa® credit cards opened by members between October 1, 2025, and March 31, 2026. To activate the introductory rate, your first purchase must post to your account by March 31, 2026. Once activated, you will have 6 months from the date your first purchase posts to your account to make additional purchases at 0.00% APR. This is referred to as the “Purchase Window”. To be eligible for the 0.00% APR, all purchases must post to your account during the Purchase Window. The 12-month Promotional Period for the 0.00% APR begins on the date your first purchase posts to your account (the “Promotional Period”). If you make multiple purchases throughout the Purchase Window, only purchases posting to your account on that first day will receive the full Promotional Period of 12 months. Additional purchases posting to your account after the date your first purchase posted to your account will receive 0.00% APR, but only for the remainder of the 12-month Promotional Period.
Example: If your first purchase posts on December 1, 2025, you will receive 0.00% APR on that purchase for the full 12-month Promotional Period through December 31, 2026 (Promotional Period end date). The 6-month Purchase Window ends on June 1, 2026. You may make additional purchases at the promotional rate through June 1, 2026 (end of the 6-month Purchase Window). Any purchases made during the Purchase Window, such as one that posts on February 1, 2026 will also receive 0.00% APR through December 31, 2026 (the same Promotional Period end date as the first purchase, but resulting in 10 months at the 0.00% APR).
After the Promotional Period ends, any remaining balance from those purchases (and any new purchases posted after the Purchase Window) will be subject to the standard APR for purchases, which is
12.90%
as of
10/10/2025 10:37:31 PM
and is subject to change at any time. Purchases are limited to the available credit of your Visa credit limit. Cash advances and balance transfers are not eligible for this introductory rate. PSECU Visa Business Cards are not eligible for this introductory rate offer. Subject to credit approval. See your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure and Visa Classic, Visa Alumni Classic and Secured Visa Credit Card Account Opening Disclosure for terms of your Visa Classic Card and how payments will be applied. PSECU is not responsible for delays caused by force majeure, acts of God, or third parties in the posting of your purchases. PSECU may terminate this introductory rate offer at any time and without any notice. PSECU will honor this introductory rate for any applications in-process on the date of such termination.
2 PSECU Visa® Classic Card/Visa® Alumni Classic Card: 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 October 1, 2025 through December 31, 2025 (“promotional period”). Any Visa balance transfers that post to your account after December 31, 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 March 31, 2027. 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 10/10/2025 10:37:31 PM 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.
3Visit https://www.lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america/ to see today’s latest rates.
4 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.
5 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.