The Classic Card

Compare Our Classic Card - with just one PSECU fee and a great low rate that hasn't gone up in over ten years.

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Visa Classic Credit Card is rated 4.5 out of 5 by 94.
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  • Our Classic Card offers you the flexibility of the same great low rate for purchases and cash advances.
  • 9.9% Annual Percentage Rate (APR)
  • Credit limits available up to $30,000, if qualified
  • No Annual Fee, Activation Fee, or Foreign Transaction fees

Find Your Balance

Move high-interest balances to your Classic Card and start saving. You'll pay no PSECU balance transfer fee, inactivity fee or application fee which makes paying off your credit cards easy. See important terms and conditions below. See how much you can save.

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.

Discounts & More

PSECU Visa credit card holders can take advantage of vehicle rental coverage and access all the latest deals from Visa at Check it out and start saving money from lots of of well-known retailers. When its time to buy online, use your PSECU Visa card to be covered by Visa's fraud protection.

Benefits of a Credit Card Balance Transfer

If you have multiple credits cards or other debts that are accruing interest, a credit card balance transfer is one of the best ways to consolidate them and take advantage of a low interest rate that saves you money. Basically, a credit card balance transfer involves exactly what it says - transferring the balance of multiple debts to a single card. The benefits of this include:

  • Taking advantage of a low introductory rate. Apply for PSECU's Classic Visa and enjoy a 2.9% APR until the end of the 2018 calendar year. That's considerably less than a conventional credit card, loan or line of credit interest rate, which may translate to big savings and a faster path to a debt-free life.
  • Not having to put up collateral. Don't want to take out a loan against your house or car? Credit card balance transfer offers work the same as any other Visa card - there's no collateral necessary.
  • Getting out of debt faster. When your debts are consolidated on a single card, you have a clearer picture of your overall financial standing. It can be incredibly useful in setting goals and working toward your financial freedom. Don't let debt get you down - accelerate the process of paying it off with a PSECU Classic Card balance transfer today.

What You Can (and Can't) Transfer

A Classic Card offers qualified applicants the option to transfer balances of up to $30,000. You can use this to pay down a wide range of high-interest loans, including:

  • MasterCard®, AMEX®, Visas you have elsewhere or other credit card debts
  • Store credit card debts or financed purchases for big-ticket items such as appliances, furniture, musical instruments, etc.
  • Car, truck or other vehicle loans

To learn more or explore other options for refinancing your debt, get in touch with a PSECU representative directly.

Rated 5 out of 5 by from Best credit card ever!! Hands down the best credit card I own. An unsecured rate of only 9.9%, and a balance transfer rate of 2.9% are both so amazing! Thank you PSECU! I am proud to be a member of the credit union, i now live across the country but psecu will always be my primary bank and will be my soon to be adult children’s first institution contacted for all their financial needs.
Date published: 2017-12-06
Rated 5 out of 5 by from PSECU Fantastic rules and policies. Excellent staff. Fair and decent operation.
Date published: 2017-11-24
Rated 3 out of 5 by from Can't believe there's still no Apple Pay It's been years since I've been told they are "working on it." If you read the reviews, they've been saying that forever. Listen, I like PSECU. The people are friendly and I have had mostly good experiences interacting with customer support. However, PSECU's slowness to modernize is starting to feel like a real downfall. It's nice that they support is good, but it doesn't matter if all the other banks have features that we don't.
Date published: 2017-11-06
Rated 3 out of 5 by from Lack of apple pay is driving me crazy I love my PSECU card and banking, but the lack of mobile payment options is becoming a huge problem. Its just not reasonable in 2017 not to have the option. I don't know how much longer I will keep my card if they can't figure out how to adapt.
Date published: 2017-10-31
Rated 2 out of 5 by from No Apple pay after two years I see every comment reguarding apple pay and the response is the exact same...we appreciate your patience as we are interested in providing a mobile payment solution. Hello PSECU it doesnt take 2 years to include applepay. Can you atleast give your customers an answer or weather you are going to actually add it or just keep dragging us one. Please give us atleast an ETA so we know if we should switch banks...
Date published: 2017-10-27
Rated 4 out of 5 by from Great card, great rates, but no Apple Pay :( This a great card supported by a great bank/services. My only gripe is no Apple Pay, which would really turn this great product into an AWESOME product. I love doing my banking with PSECU.....they just need to make those few small steps into mobile payment.
Date published: 2017-10-03
Rated 1 out of 5 by from Samsung Pay I have been watching for over a year now how PSECU is "looking into" the payment systems such as Samsung Pay and Apple Pay. I don't understand why this is such a big deal. I use Samsung Pay on most of my credit cards and my secondary bank (which is coming close to taking the primary position). How about a more detailed explanation? If there are concerns with these payment methods, I think PSECU owes its member an opinion on why it is not being used.
Date published: 2017-09-15
Rated 4 out of 5 by from Overall very happy, do really want apple pay Overall really like PSECU, service, support. I am really missing the apple pay support. I have to use another banks card to use apple pay and transfer money from PSECU to them to have the apple pay feature.
Date published: 2017-08-30
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