PSECU Credit Cards
The Classic Card The Founder's Card
Rate
9.9%
Annual Percentage Rate
12.9%
Variable Annual Percentage Rate
Overview
Great rate for purchases and cash advances Earn 1.5% Cash Rewards on every purchase1
Our low rate hasn't gone up in over 10 years Cash Rewards never expire
2.9% APR Visa Balance Transfer2 3.9% APR Visa Balance Transfer3
Fees
Annual fee
$0 $0
Balance transfer fee
$0 $0
Cash advance fee
$0 $0
Late fee
Up to $20 Up to $27
Foreign transaction fee
$0 $0
Learn More Learn More

1You can earn 1.5% Cash Rewards on purchases. See the PSECU Visa® Founder's Card Rewards Program Terms and Conditions for full details.

2 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 12/31/18; 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.

3 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 12/31/18; 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.