Alumni Classic Card

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

Limited Time - $150 Classic Card Offer

For a limited time, receive $150 when approved for an Alumni Classic Card. For complete rules and details, see below.

Alumni Classic Card Benefits

  • No annual fee
  • Credit line of up to $30,000, if qualified
  • Contactless card functionality allows you to “tap and go” at checkout
  • Cash advances: Access funds through nearly 30,000 surcharge-free ATMs in our network with no cash advance fees
  • Mobile payments: Add your Alumni Classic Card to Apple Pay®, Google Pay®, Samsung Pay, and the PSECU Wallet (for Android devices)
  • Free credit score service*

Low-Rate Balance Transfers

When you move higher-rate credit card balances to your Alumni 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
Low 9.9% APR** on all purchases

Low balance transfer rate***

Mobile-payment ready

Quickly lock/unlock card

RATES AS OF 08/01/2019

DESCRIPTION APR*
Visa Alumni Classic Purchase 9.90%
Visa Alumni Classic Cash Advance 9.90%
Visa Alumni Classic Balance Transfer 2.9%

*APR denotes 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 12/31/20; 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.

View all of our current rates.

FEES

DESCRIPTION AMOUNT
Annual fee $0
Balance transfer fee $0
Cash advance fee $0
Late fee Up to $20
Foreign transaction fee $0

FAQS


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.

The easiest way is to resume your application. We’ll officially notify you of our decision 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:

For new members:

For current members:


It’s fast and easy!

  1. Apply for the card.
  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 credit card limit.
  3. Log into your PSECU account.
  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!

* 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 12/31/20; 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.

$150 Alumni Classic Card Cash Offer
To receive $150, members must: apply and be approved for a PSECU Visa® Alumni Classic Card (“Classic Card”) between 8/1/19 and 12/31/19; use the Classic Card to make any combination of eligible purchases totaling at least $500 (Some exclusions may apply. See # 5 below.) that post to your account within 90 days of the Classic Card account open date. Limit (1) cash offer per new Classic Card account. This is a one-time promotional offer and is limited to PSECU members opening a new Classic Card account through the designated PSECU promotional offer page.
  1. Participant must be a member of PSECU. If Participant is not currently a PSECU member, Participant must apply for membership and join PSECU, and comply with all $150 Classic Card Cash Offer requirements. The Participant must apply and be approved for a Classic Card, and use the Classic Card to make eligible purchases during the promotional period of 8/1/19 through 12/31/19 as further stated in #3 below.
  2. Participant must be a U.S. Resident.
  3. Promotional offer open to persons 21 years of age or older at the time he/she applies (through the designated PSECU promotional offer page) for the Classic Card and who makes purchases totaling at least $500 (exclusive of any balance transfers, cash advances, fees, returns and adjustments) that post to the account within 90 days of the Classic Card account open date. Please allow 1-2 weeks to receive your card in the mail. Limit (1) cash offer per new Classic Card account.
  4. The recipient of the $150 Cash Offer is solely responsible for payment of applicable taxes on that amount. If you have any questions, please seek the advice of a qualified tax professional.
  5. Transactions that are not eligible include, but are not limited to, the following: Balance transfers, cash advances, convenience checks, disputed or unauthorized purchases/fraudulent transactions, credits, any Card Account fees, purchase of Travelers Cheques, fees for services or programs you elect to receive through PSECU, finance charges, and any cash equivalent transactions.
  6. Payment of the $150 Cash Offer will be deposited into the Regular Share (S0001) within 45 days after the requirements are satisfied.
  7. The member must be in good standing, as defined by PSECU's Bylaws Article II, Section I, to receive the $150 Cash Offer.
  8. All decisions of PSECU regarding this promotional offer are final. PSECU may terminate or change the terms and conditions of this promotion without notice.
  9. Employees, agents and officials of PSECU and immediate family members of any of these are not eligible for this promotional offer.
  10. Subject to all applicable federal, state and local laws and regulations.
About the $150 Alumni Classic Card Cash Offer: From 8/1/19 to 12/31/19, PSECU is running a promotion for those who apply through the designated PSECU promotional offer page. To receive $150: members must apply and be approved for a PSECU Visa® Alumni Classic Card between 8/1/19 and 12/31/19 and satisfy the promotion requirements within 90 days of the Classic Card account open date. PSECU will deposit $150 into the Regular Share (S0001) within 45 days after the requirements are satisfied. A $5 minimum Regular Share balance is required to be eligible to receive the $150, and the PSECU member must be in good standing as defined by PSECU's Bylaws Article II, Section 1. The Annual Percentage Yield on PSECU's S1 Regular Share account is .15%. This variable rate is current as of July 19, 2019 and may change. Withdrawals and fees may reduce earnings on the account.