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        Check out PSECU's approach to overdraft services and fees
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        Learn how you can increase your savings with greater dividends
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Routine maintenance is scheduled for 12 AM, Sunday March 16, 2025, and will take several hours to complete. During this timeframe, members will not be able to access digital banking, membership or loan applications, or our call center IVR menu. We apologize for any inconvenience.
We apologize for the inconvenience, but our application for membership is currently unavailable. We are currently working to resolve the issue.
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  1. Home
  2. Classic Card

Classic Card

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

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Earn a $200 Cash Bonus for a Limited Time

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.

Get the Details + Apply Today
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How Classic Cardholders Achieve More

PSECU Classic Cardholders enjoy the following benefits:

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  • 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

Current Card Rates

Valid as of XX/XX/XXXX

Description APR*
Visa Classic Purchase 12.90%
Visa Classic Cash Advance 14.90%

* 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.

Balance Transfers

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.

Get the Details
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Increase Your Credit Limit

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.

Request a Credit Limit Increase
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Conquer Your Debt

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.

Check Out Our Balance Transfer Calculator

Fees

Description Amount
Annual Fee

$0

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

$0

Balance Transfer Fee
Amount:
$0
Cash advance fee
Amount:
$0
Late fee
Amount:
Up to $20
Foreign transaction fee
Amount:
$0

Browse Helpful Resources

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Benefits of Using Your Credit Card
PSECU-Website-Classic-Card-Footer-CTA-1

Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member

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 January 1, 2025 through June 30, 2025 (“promotional period”). Any Visa balance transfers that post to your account after June 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, 2025. 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 01/01/2025 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.

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