Classic Card

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

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
Low 9.9% APR*** on all purchases

Mobile-payment ready

Low-rate balance transfers

Current Promotional Rate

Valid as of 03/21/2023 4:58 PM EDT 
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

Valid as of 03/21/2023 4:58 PM EDT 
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.