Which Penn State Alumni Credit Card Fits You Best? Take the Quiz to Find Out

Whether you’re fueling up for a road trip to Happy Valley, planning your next tailgate, or just tackling everyday life, the right credit card should work as hard as you do – and there’s one with Penn State pride built right in. Take this quick quiz to see which Penn State Alumni Association credit card best fits you – then visit our Penn State alumni page to learn more and apply so you can pay with Penn State pride!

1. When you think about using a credit card, what feeling do you want most?

A. In control. A card that helps me manage purchases and bigger expenses with confidence.
B. Rewarded. I love earning cash rewards on purchases I already make.
C. Empowered. A low-rate card that helps me transfer balances and save on interest.
D. Energized. My lifestyle is fast-paced – my card should return the favor.

2. Which statement sounds most like you?

A. “I want to consolidate my debt into one monthly payment.”
B. “If I’m making purchases anyway, I want rewards that add up.”
C. “A lower purchase APR is important to me when choosing a card.”
D. “I like when my card adds extra value to my everyday experiences.”

3. How do you typically use credit cards?

A. For routine purchases like groceries, gas, and everyday essentials.
B. I use my card often and always pay my balance in full each month.
C. I sometimes carry a balance.

D. I use my card a lot and prefer a rewards-focused option.

4. What kind of “win” feels the best to you?

A. Saving money long-term because of a low APR.
B. Earning cash rewards on my purchases.
C Moving high-interest balances to one, low-rate card that helps me save money.
D. Feeling like my card enhances the moments and experiences I enjoy most.

Results Time

Mostly A’s or C’s: Alumni Classic Card

You appreciate financial control, and the Alumni Classic Card is here to help you move forward without added stress.

Why it’s a good fit:

• 0% Intro APR¹ for up to 12 months on purchases made in the first three months. Classic Card must be opened and first purchase made by June 30, 2026. After that, you’ll pay a low 12.9% APR (subject to change) – which is almost half the national average²!
• 0% APR³ good through June 30, 2027, on balance transfers posted between January 1, 2026 – June 30, 2026. A 5% balance transfer fee applies to each balance transfer that posts to your account during the promotional period. After the promo ends, you’ll enjoy a low 12.9% APR (subject to change).
• 2%⁴ or 1.5% cash rewards on every eligible purchase.
• No limit on reward earning and rewards never expire.

Mostly B’s or D’s: Alumni Rewards Card

You love turning everyday moments into something extra. With the Alumni Rewards Card, your purchases pack more punch.

Why it’s a good fit:

Whether you’re drawn to the steady simplicity of the Alumni Classic Card or the everyday earning power of the Alumni Rewards Card, you’ll carry something more than a credit card – you’ll carry your Penn State pride. Explore both options and apply at: psecu.com/pennstatealum.

¹ PSECU Visa Classic Card/Visa Alumni Classic Card/ Secured Visa Introductory APR Offer: APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of 0.00% APR for purchases made with newly acquired Visa® Classic Card, Visa® Alumni Classic Card, and Secured Visa® credit cards opened by members between April 1, 2026, and June 30, 2026. To activate the introductory rate, your first purchase must post to your account by June 30, 2026. Once activated, you will have 3 months from the date your first purchase posts to your account to make additional purchases at 0.00% APR. This is referred to as the “Purchase Window”. To be eligible for the 0.00% APR, all purchases must post to your account during the Purchase Window.  The 12-month Promotional Period for the 0.00% APR begins on the date your first purchase posts to your account (the “Promotional Period”).  If you make multiple purchases throughout the Purchase Window, only purchases posting to your account on that first day will receive the full Promotional Period of 12 months.  Additional purchases posting to your account after the date your first purchase posted to your account will receive 0.00% APR, but only for the remainder of the 12-month Promotional Period.  

Example: If your first purchase posts on June 1, 2026, you will receive 0.00% APR on that purchase for the full 12-month Promotional Period through June 30, 2027 (Promotional Period end date). The 3-month Purchase Window ends on September 1, 2026.  You may make additional purchases at the promotional rate through September 1, 2026 (end of the 3-month Purchase Window). Any purchases made during the Purchase Window, such as one that posts on August 1, 2026 will also receive 0.00% APR through June 30, 2027 (the same Promotional Period end date as the first purchase, but resulting in 10 months at the 0.00% APR). 

After the Promotional Period ends, any remaining balance from those purchases (and any new purchases posted after the Purchase Window) will be subject to the standard APR for purchases, which is 12.90% as of April 1, 2026 and is subject to change at any time. Purchases are limited to the available credit of your Visa credit limit. Cash advances and balance transfers are not eligible for this introductory rate.  PSECU Visa Business Cards are not eligible for this introductory rate offer. Subject to credit approval. See your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure and Visa Classic, Visa Alumni Classic and Secured Visa Credit Card Account Opening Disclosure for terms of your Visa Classic Card and how payments will be applied.  PSECU is not responsible for delays caused by force majeure, acts of God, or third parties in the posting of your purchases. PSECU may terminate this introductory rate offer at any time and without any notice.  PSECU will honor this introductory rate for any applications in-process on the date of such termination. 

 ² Visit www.lendingtree.com to see today’s latest rates.   

 ³ PSECU Visa® Classic Card/Visa® Alumni Classic Card: Promotional Visa Balance Transfer Rate Offer – PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on January 1, 2026 through June 30, 2026 (“promotional period”). Any Visa balance transfers that post to your account after June 30, 2026, are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until June 30, 2027. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 12.90% APR as of 01/01/2026 and is subject to change at any time. A Balance Transfer Fee equal to 5% of each transfer will be charged when the transfer posts to your account. This fee is separate from any interest or other charges. The total of the balance transfer amount and the Balance Transfer Fee cannot exceed your available credit limit. APR denotes Annual Percentage Rate. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure. A minimum of $250 must be requested for balance transfers through digital banking. The 0.00% 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, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure.  

 ⁴ 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(s) of at least $500. Some exclusions may apply.  See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.