Benefits
- No annual fee
- Credit line of up to $30,000, if qualified
- Cash advances: Access funds through nearly 70,000 ATMs in our network with no cash advance fees
- Free credit score service**
- Low-rate balance transfers with $0 balance transfer fee
Current Promotional Rate
| Description | APR* |
|---|---|
| Visa Classic Balance Transfer Promotional Rate | 2.90% |
*APR denotes Annual Percentage Rate.
When you take advantage of the 2.90% APR promotional offer, Visa® balance transfers will accrue interest at 2.90% APR from the time that the transaction posts until the 2.90% APR promotional offer expires on 12/31/2024; thereafter, any remaining balance will begin to accrue interest at the APR for Balance Transfers, currently 9.90% (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.
Current Standard Rates
| Description | APR* |
|---|---|
| Visa Classic Purchase | 9.90% |
| Visa Classic Cash Advance | 9.90% |
| Visa Classic Balance Transfer | 9.90% |
*APR denotes Annual Percentage Rate.
Fees
| 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.
***APR denotes Annual Percentage Rate.