Our low rates for purchases and balance transfers help you save on interest charges.
Your Classic Card’s APR1 is 12.90%, which is nearly half the national average of 24.80%2. So if you need to carry a balance, it’s the perfect card to save on interest charges. Plus, there’s no annual fee or foreign transaction fee.
| Description | APR |
|---|---|
| PSECU Classic Card | 12.90% |
| Wells Fargo Active Cash® Card | 20.24%, 25.24%, or 29.99% Variable |
| Chase Freedom Unlimited® | 20.49%-29.24% Variable |
| Capital One® Venture® Rewards Credit Card | 19.99%, 26.24%, or 29.99% Variable |
*Valid as of 6/20/2024
With mobile wallets and mobile pay, it’s easier and more convenient than ever to use your Classic Card for purchases. If you don't have yours set up yet, refer to your device's support page listed below, and then you can use your smartphone or smartwatch to pay for things without your physical card.
And don’t forget - add your Classic Card as your default payment method to take advantage of all it offers!
You could save when you transfer balances to our Classic Card and enjoy our promotional rate of 2.90%3 APR. With our low balance transfer rate and $0 PSECU balance transfer fees, the savings stay with you.
Our digital banking features make managing your PSECU cards a breeze. With digital banking, you can:
If you need cash in a pinch, you can access your funds through our worldwide network of 85,000+ ATMs with no cash advance fees*.
*Cash advance rate for Classic Card is 14.90% APR.
1APR denotes Annual Percentage Rate.
2 The average credit card interest rate in America on 6.13.24 was 24.80% APR, according to lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america/
3 Promotional Visa Balance Transfer Rate Offer– PSECU is offering a promotional rate of 2.90% APR on all Visa balance transfers that post to your account on January 1, 2025 through June 30, 2025 (“promotional period”). Any Visa balance transfers that post to your account after June 30, 2025, 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 December 31, 2025. 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 01/01/2025 and is subject to change at any time. 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 2.90% 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 at psecu.com/disclosures.