Classic Card

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

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*
Low 9.9% APR** on all purchases

Mobile-payment ready

Quickly lock/unlock card

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

CUrrent Rates

Valid as of 08/8/2020 1:41 AM EDT 
Visa Classic Balance Transfer 2.9% 
Visa Classic Cash Advance 9.90% 
Visa Classic Purchase 9.90% 
*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 12/31/21; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.90% 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.


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
Rated 5 out of 5 by 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 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 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 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 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 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 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 from great rate great product when everyone is socking it to you this is a great rate
Date published: 2018-05-03
  • y_2020, m_8, d_6, h_16
  • bvseo_bulk, prod_bvrr, vn_bulk_3.0.10
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_113
  • loc_en_US, sid_visa-classic, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_psecu
  • bvseo_sdk, net_sdk,
  • CLOUD, getReviews, 141ms