Founder’s Card

Earn up to 2% in cash rewards on every purchase, every time. Your cash rewards never expire.
Visa Founders Credit Card is rated 4.7 out of 5 by 160.
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1.5% or 2% cash rewards*

Low 3.9% balance transfer rate**

Credit limits up to $30,000

Make mobile payments

 

Founder’s Card Benefits


Our popular cash rewards card features:   
  • No annual fee
  • Generous cash back rewards of 1.5% or 2%* on every purchase; no rotating categories and no limits on how much cash back you can earn; rewards never expire
  • Competitive purchase rates
  • Credit line of up to $30,000, if qualified
  • Mobile payments: Add your Founder’s Card to Apple Pay®, Google Pay®, Samsung Pay™, and the PSECU Wallet (for Android devices)
  • Cash advances: Access your funds through nearly 30,000 in-network surcharge-free ATMs worldwide, with no cash advance fees

Using the card is like getting free money to apply on future purchases with the card.   I should have gotten it when it first came out.  Totally love it!

PSECU Member for 10+ years

 

Low-Rate Balance Transfers


When you move higher-rate credit card balances to your Founder’s Card, you may be able to pay down your debt even faster. PSECU balance transfers feature:   
  • Low interest rates: Currently 3.9%**
  • No balance transfer, application, or inactivity fees
  • Easy, online transfer process through online banking

See your rewards with every purchase

$
$100 $30,000
This estimate is provided for informational purposes only. Rewards can be redeemed through online and mobile banking only. Actual Cash Rewards may vary depending on credit card use.

Rates for PSECU Credit Cards

Valid as of 11/14/2018 1:21 PM EST
Description APR*
Founder's Card Balance Transfer 3.9%
Founder's Card Cash Advance 14.40%
Founder's Card Purchase 14.40%
Visa Classic Balance Transfer 2.9%
Visa Classic Cash Advance 9.90%
Visa Classic Purchase 9.90%
*APR denotes Annual Percentage Rate

PSECU Visa® Founder's Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's 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 12/31/19; 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 Card Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online 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 PSECU Visa® Founder's Card Consumer Credit Card Agreement.

PSECU Visa® 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 12/31/19; 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 Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online 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 Consumer Credit Card Agreement.

Founder’s Card FAQs

Yes. We’re a member-owned credit union, so you need to join in order to have a credit card with PSECU. However, we make joining fast and easy. To keep things simple, you will automatically apply for PSECU membership within the Founder’s Card application.

It’s fast and easy!

  1. Apply for your Founder’s 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 Founder’s Card credit 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!

Yes! The Founder’s Card works with Apple Pay®, Google Pay®, Samsung Pay™, and the PSECU Wallet for Android users.
We can usually give you an answer within minutes when you apply for a card online or by phone. In some cases, we’ll need a little extra information before we can make a decision.

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

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.

Expect your card to arrive in the mail within 7 to 10 business days after you’re approved.
 

FEES FOR THE FOUNDER’S CARD

Fee Amount
Annual fee $0
Balance transfer fee $0
Cash advance fee $0
Late fee  Up to $27
Foreign transaction fee  $0
                                                                                                                                                                                                

*You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on all purchases if you maintain a PSECU checking account and qualifying monthly direct deposit of at least $500. See the PSECU Visa® Founder's Card Rewards Program Terms and Conditions for full details.

**PSECU Visa® Founder's Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card balance transfers will be treated as cash advances and will accrue interest at 3.9% APR from the time the transaction posts until 12/31/19; 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 Card Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online 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 PSECU Visa® Founder's Card Consumer Credit Card Agreement.

Rated 3 out of 5 by from Very confusing Only allowed $6000.00 in external transfers on a rolling 30 days and every purchase is counted against that $6000.00. If you want to pay by check there isn't even a complete address on the statement or who the check should be made out to. Never had any problem with other banks transferring or paying my bill. I just keep telling myself this is a credit union not a bank and their software is outdated.
Date published: 2018-10-14
Rated 5 out of 5 by from Great credit card This credit card has the best rewards for me. Banks can't compare to it.
Date published: 2018-06-28
Rated 5 out of 5 by from Great card Cssh back bonus is amazing! Easy to use. Pay online
Date published: 2018-06-27
Rated 5 out of 5 by from Love founders card Tx you for 2 percent cashback. Love that you reward responsible loyal members.
Date published: 2018-06-07
Rated 4 out of 5 by from Founders card This product is great because it works for all purchases and no plans or fees or dates for my rewards.
Date published: 2018-06-06
Rated 5 out of 5 by from Great Card I love that I can make transfers between my accounts. I also love that there is no set limit to redeem rewards. Great card overall.
Date published: 2018-06-06
Rated 5 out of 5 by from Founders Card I love the founder's card because of the rewards and the way I get an email every time it is used.
Date published: 2018-06-06
Rated 4 out of 5 by from Great option I like the option of getting 2% back just for using the card. However, I have not had it long enough to see any rewards as I only received it recently
Date published: 2018-05-31
  • y_2018, m_11, d_8, h_1
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.8
  • cp_1, bvpage1
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  • clientName_psecu
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