Founder’s Card

Earn 2% or 1.5% 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 169.
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Founder’s Card Benefits

Reward yourself year-round with 2%* or 1.5% in cash rewards on every purchase, every time. Rewards never expire!

  • No rotating categories and no limits on how much cash back you can earn
  • Visa Signature® benefits are automatically provided for credit lines of $5,000 or more.
  • Cash advances: Access your funds through nearly 30,000 in-network surcharge-free ATMs worldwide, with no cash advance fees
2%* or 1.5% cash rewards

No Annual Fee

Credit limits up to $30,000

Mobile-payment ready

See your rewards with every purchase

woman on phone
$
$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.
 
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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

CURRENT RATES

Valid as of 04/6/2020 1:57 AM EDT
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%
*APR denotes Annual Percentage Rate

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 $27
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.
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:

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!

Please call us at 800.237.7328, extension 3872. You can also e-mail us anytime using online banking.

  1. Click on "Contact Us."
  2. Click on the "Compose E-mail" tab
  3. In the category field, choose Check Cards / Credit Cards, then your card type.
  4. Fill in the subject line and message box appropriately
  5. 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.

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.

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.

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.

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.

*You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit of at least $500. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.
Rated 5 out of 5 by from Great Credit Union I've been a member since 1978 and love PSECU. It's the best thing since sliced bread!
Date published: 2020-02-02
Rated 5 out of 5 by from Never could live without it now that I found it! I use this card for everything, fuel, food,mail order, automatic withdrawals on certain bills. I is a "diamond in the rough find" when you have to use some kind of card for internet purchases and fuel if you don't want to go inside the place. I just move my money from my checking to the Rewards card to pay for my monthly budgeted bills that I schedule to come out of the rewards card. The rewards are "Rewarding" I wish I would have applied for this sooner! Its nice to know I have everything in one place; savings,mm,checking and credit card; without those bothersome other sites to log in to see my balance or when something is due. Very convenient one stop banking.
Date published: 2019-12-08
Rated 5 out of 5 by from Rewards dollars make me smile! If you pay off your credit card balance each month, the Founder's Card rewards dollars equate to extra dollars in your pocket. I always enjoy seeing rewards dollars add up in my account and putting them towards my savings. I've been a member for many years and always appreciate your exceptional customer service. Thanks, PSECU!
Date published: 2019-09-26
Rated 1 out of 5 by from Useless Card disallows setting up a re-occurring payment via online banking. Basically, card-user has limited, to zero capability to make payments as the Card-user desires using online payment system. In other words, if you prefer to send regular, money PAYMENTS to the card account bi-weekly, it is disallowed. If you want to send payments on the 1st and 15th of each month; it is disallowed. Who wants a card that you can't pay the way THAT you want to pay? Never had a credit card that made making payments to it as difficult as this one. Especially if transferring money from your account has to be done MANUALLY ever time. Waste of time. Inconvenient. Other bank credit cards will gladly accept your money in PAYMENTS the way you prefer and they offer better cash back percentages and concierge services.
Date published: 2019-08-05
Rated 5 out of 5 by from My Only Credit Card 2% cash back on all purchases at a reasonable interest rate. What more could you ask for? I use this card for everything and do not have any other credit cards.
Date published: 2019-06-10
Rated 5 out of 5 by from Awesome card! PSECU is the best! This card give 2% casback on ALL purchases with no hoops to jump through or gimmicks. Kudos to the folks at PSECU looking out for its members.
Date published: 2019-02-23
Rated 5 out of 5 by from Founder's Card--Awesome Use it all the time and watch the rewards grow. Thank you.
Date published: 2019-01-18
Rated 5 out of 5 by from web sight improvement I can't pay founders club several days early. for example if i pay 30 nov i will have to make another payment if the due date is in the 1st. week of dec ALL of my other credit cards have a calendar icon to indicate when the payment is to be withdrawn . simple fix on a otherwise excellent web sight
Date published: 2018-11-30
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