Classic Card

Our low rates for purchases and balance transfers help you save on interest charges.
 
Visa Classic Credit Card is rated 4.6 out of 5 by 111.
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Already a Member?

Low 9.9% APR* on all purchases

2.9% balance transfer rate**

Mobile-payment ready

Quickly lock/unlock card 

The Visa Credit Card offers fantastic rates, reliable use, and ease of payments.  I would recommend this to all my friends.

PSECU member for 3 to 5 years

Classic Card Benefits

  • No annual fee
  • 9.9% competitive purchase rate that hasn’t increased in more than 10 years 
  • Credit line of up to $30,000, if qualified 
  • Mobile payments: Add your Classic Card to Apple Pay®, Google Pay®, and Samsung Pay™, and the PSECU wallet (for Android devices)
  • Cash advances: Access funds through nearly 30,000 surcharge-free ATMs in our network with no cash advance fees

 

Additional benefits include:

  • Lock/unlock option: Immediately lock or unlock a misplaced card through online banking or the PSECU mobile app
  • Extra purchase protection: Get help replacing lost or damaged retail goods you buy with your card***
  • Free credit score service****

 

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:

  • Low interest rates: Currently 2.9%**
  • No fees for balance transfers, applications, or inactivity
  • Easy, online transfer process through online banking

Already a Member?

The PSECU difference

We’re member-owned. We keep our fees low and reward you with great benefits. 

Learn how PSECU works 

Worldwide in-network ATMs

Use your card at nearly 30,000 surcharge-free ATMs through the CO-OP Network®, CU$® Alliance, and many more locations. 

Find an ATM near you

Building our community

Our members are important to us. That’s why we support organizations that help families, protect the environment, and encourage healthy living. 

Learn more about what PSECU believes in

Rates for PSECU Credit Cards

Valid as of 10/21/2018 9:39 PM EDT
Description APR*
Founder's Card Balance Transfer 3.9%
Founder's Card Cash Advance 14.40%
Founder's Card Purchase 14.40%
Visa Classic Balance Transfer 2.9%
Visa Classic Cash Advance 9.90%
Visa Classic Purchase 9.90%
*APR denotes Annual Percentage Rate

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 a cash advance and will accrue interest at 3.9% APR from the time that 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.

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 a cash advance and will accrue interest at 2.9% APR from the time that 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.

Fees for the PSECU Classic Card

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

Classic Card FAQs

Yes. We’re a member-owned credit union, so you need to join in order to have a credit card with us. To keep things simple, you will automatically apply for PSECU membership within the Classic Card application. 
  1. If you don’t have the Classic Card, first you’ll need to apply.
  2. Once you’ve been approved for your new credit card, it’s time to complete the transfer. You’ll need your full account number for the card from which you’re transferring a balance, as well as the dollar amount you’d like to transfer. This will depend on your available Classic Card credit limit.
  3. Log into your PSECU account online.
  4. Click on “Move Money.”
  5. Click on “Visa Balance Transfer.” Follow the online directions. Your transfer will be automatically treated as a balance transfer at PSECU's current promotional rate and term. You don’t need to call us to activate your promotional offer.
  6. Start enjoying your savings.
Yes! Our card works with Apple Pay®, Google Pay®, and Samsung Pay™. Learn  more about our easy and convenient banking tools.
Usually, decisions are made within minutes. Occasionally we’ll need more information from an applicant before we can make a decision. If so, an approval might take a couple of days.

The easiest way is to resume your application.   You’ll also get an official notification within several days of your application.

You can also give us a call. A PSECU representative can help you Monday-Friday, 8 a.m. to 9 p.m. (ET), and Saturday, 9 a.m. to 5 p.m. (ET), at:

  • 800.237.7328, nationwide (USA)
  • 717.255.1760, outside the USA; not a toll-free number; normal charges apply
Absolutely! A co-applicant should apply with you for your card. We’ll ask for current identification, plus income and contact information for both applicants. 

We welcome authorized users, too. Authorized users are people you allow to use your credit card (like your responsible teenager). Only primary cardholders can add authorized users. 
Once you’re approved, your new PSECU card should arrive in the mail within 7 to 10 business days.
* APR = Annual Percentage Rate.
 
** 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.
 
*** Ask a PSECU representative for more information on Visa card purchase-protection benefits.
 
**** 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.
 
Apple, the Apple logo, Apple Pay, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
 
Android, Google Pay, and the Android Logo are trademarks of Google Inc.
 
©2017 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Gear, Galaxy S and Gear S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Samsung Pay is available on select Samsung devices.
 
Rated 5 out of 5 by from Awesome thru and thru I have been using PSECU for 20+ yrs for all my financial needs. They have been top rate with all service and support. You will not find better anywhere.
Date published: 2018-10-01
Rated 5 out of 5 by from Simple, Great Starter Card I've had the classic card for a few years. It is simple to use, has low APR, and can easily be managed. Adding users to your card, making payments, and not having to worry about high interest rates each month helped me as a non salaried employee making less than 30,000 dollars per year. Thank you PSECU. Also the app is great for payments.
Date published: 2018-08-11
Rated 5 out of 5 by from Nothing better! I've had my accounts with PSECU for almost 8 years. I got the visa credit card in April 2018. Great interest rates, easy to pay from checking or savings, and cash advances can be transferred to you bank accounts if needed. Love this bank!!
Date published: 2018-07-06
Rated 5 out of 5 by from Very good offer and customer service I just opened this card two months ago. I'm pleased with the extremely professional, friendly customer service of the agent on the phone who gave me information about transferring a balance and with the application and transfer process. I'm also very pleased about the low interest rate.
Date published: 2018-07-05
Rated 5 out of 5 by from Excellent service! Thank you for the ease in which customer service provided me the product that I needed and in such a timely fashion!
Date published: 2018-06-06
Rated 5 out of 5 by from great rate great product when everyone is socking it to you this is a great rate
Date published: 2018-05-03
Rated 4 out of 5 by from Great Product This product is great because of the low interest rate
Date published: 2018-05-01
Rated 5 out of 5 by from Excellent This card is excellent !! Great rate and worry free. Payments actually count and are not consumed by an outrages interest rates.
Date published: 2018-04-30
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