Classic Card Benefits
- No annual fee
- Credit line of up to $30,000, if qualified
- Cash advances: Access funds through nearly 30,000 surcharge-free ATMs in our network with no cash advance fees
- Free credit score service*
Classic Card
Our low rates for purchases and balance transfers help you save on interest charges.
Visa Classic Credit Card is rated
out of
5 by
113.
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:
- No fees for balance transfers, applications, or inactivity
- Easy, online transfer process through digital banking
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
CURRENT RATES
| Description | APR* |
|---|---|
| Founder's Card Balance Transfer | 3.9% |
| Founder's Card Cash Advance | 12.40% |
| Founder's Card Purchase | 12.40% |
| Visa Classic Balance Transfer | 2.9% |
| Visa Classic Cash Advance | 9.90% |
| Visa Classic Purchase | 9.90% |
PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card and Visa® Alumni Rewards 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 12/31/21; 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 and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital 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 Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement.
PSECU Visa® Classic and Visa® Alumni 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 12/31/21; 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 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.
FEES
| DESCRIPTION | AMOUNT |
|---|---|
| Annual fee | $0 |
| Balance transfer fee | $0 |
| Cash advance fee | $0 |
| Late fee | Up to $20 |
| Foreign transaction fee | $0 |
FAQS
Can I add a co-applicant or authorized user to my credit card?
Yes! If you have a co-applicant, they should apply with you for the credit card. We’ll ask for current identification, a physical address, a Social Security number (SSN), date of birth, income, and contact information for both of you.
As long as you’re the primary cardholder, you can also add an authorized user. This is someone you allow to use your credit card account. Authorized users can be added during your application process, or later in online banking.
Yes! If you have a co-applicant, they should apply with you for the credit card. We’ll ask for current identification, a physical address, a Social Security number (SSN), date of birth, income, and contact information for both of you.
As long as you’re the primary cardholder, you can also add an authorized user. This is someone you allow to use your credit card account. Authorized users can be added during your application process, or later in online banking.
How can I check the status of my credit card application?
Start by clicking the link to resume your application. We’ll officially notify you of our decision within several days of your application.
You can also call and talk to a PSECU representative. Call us 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
How do I transfer a balance from another credit card?
It’s fast and easy!
- Apply for the card.
- 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 credit card limit.
- Log into your PSECU account.
- Click on “Move Money.”
- 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.
- Start enjoying your savings!
What should I do if my card is damaged, cracked or broken?
Please call us at 800.237.7328, extension 3872. You can also e-mail us anytime using online banking.
- Click on "Contact Us."
- Click on the "Compose E-mail" tab
- In the category field, choose Check Cards / Credit Cards, then your card type.
- Fill in the subject line and message box appropriately
- Click on the "Send" button when you are finished
Please note: In order to replace or reorder a card, the member whose name appears on the card should make the request.
How can I order an additional card?
To order an additional card, please call Monday through Friday, 8 a.m. to 9 p.m., and Saturday 9 a.m. to 5 p.m. (ET) at 800.237.7328, extension 3872. The maximum number of cards issued per account is two. There is no charge for additional card(s) or to replace a card.
You can also e-mail us through online banking. Log into your account, click the “Contact Us” button, then compose an e-mail and select Check Cards and Credit Cards from the drop-down menu. You will need to provide your card type and a 4-digit PIN for use on the card. Please verify your current mailing address under “My Profiles” and make any necessary changes to your address before making your request.
When is my Visa® payment due? What is the minimum payment based on?
The minimum payment is required each month by the 25th day of the month, which is the Visa® due date. The minimum monthly payment is 2 percent of the total balance, rounded up to the next even dollar, or $20, whichever is greater.
PSECU offers several flexible payment options. You may transfer your payment using online banking, our SST phone system, and Automatic Transfers. If you have additional questions on these automatic payment methods, please call us at 800.237.7328, extension 3872.
Can I set up my Visa® to be paid automatically each month?
Yes. You can have your account set up to automatically transfer your monthly Visa® payment from any PSECU share account. You can choose to pay the minimum payment, a specific amount higher than the minimum payment, or the amount necessary to avoid finance charges. These payments are transferred automatically from your account on the 25th of every month.
To set up a Visa automatic payment, please call us at 800.237.7328.
Can I stop a merchant from charging my card?
By giving the merchant your card number, you have authorized payment. PSECU cannot then prevent the merchant from posting your charge. If there is an error or a problem with a charge, please contact us at 800.237.7328, extension 3872. You may need to complete additional steps before we can attempt to dispute the charge.
* 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 = Annual Percentage Rate.
***PSECU Visa® Classic and Visa® Alumni 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 12/31/21; 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 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.
**APR = Annual Percentage Rate.
***PSECU Visa® Classic and Visa® Alumni 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 12/31/21; 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 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.
Rated 5 out of
5
by
Aquarius1955 from
Excellent Product
Thank you PSECU. I have been a customer for well over 30 years and have never been turned down for any loans, credit cards or other services. Free checks (minus a small printing fee) and their ATMs are every where you go. Honestly, I can't think of one negative aspect of being a member. I encouraged family and friends to do all their banking at PSECU, and they do.
Date published: 2019-06-22
Rated 5 out of
5
by
Greg73 from
AWESOME Card and AWESOME Credit Union!!!
I have had this card for a couple of years now, along with car loans and my banking needs. There is simply no credit union better. I have been a member at other credit unions, but PSECU, is by far, the BEST!! I will be with PSECU until I leave this earth.
Date published: 2018-12-20
Rated 5 out of
5
by
Mathew 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
Isaac B 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
Andy1977 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
Deborah 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
Chele 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
willy from
great rate great product
when everyone is socking it to you this is a great rate
Date published: 2018-05-03