About PSECU Credit Cards We offer two Visa® credit cards. From our shop-and-earn Founder's Card to our Classic Card with a lower interest rate, we've got the credit card that fits your lifestyle. You can select one or both.
PSECU Credit Cards
	The Classic Card	The Founder's Card
Rate
	9.9% Annual Percentage Rate	13.90% Variable Annual Percentage Rate
Overview
	Great rate for purchases and cash advances	Earn 1.5% Cash Rewards on every purchase or 2% with checking and monthly Direct Deposits totaling at least $5001
	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
Annual fee	$0	$0
Balance transfer fee
Balance transfer fee	$0	$0
Cash advance fee
Cash advance fee	$0	$0
Late fee
Late fee	Up to $20	Up to $27
Foreign transaction fee
Foreign transaction fee	$0	$0
	Learn More Get the Card	Learn More Get the Card

¹You can earn 1.5% Cash Rewards on purchases. With checking and a qualifying Direct Deposit, you can earn 2%. 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 12/31/19; 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.

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 12/31/19; 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.