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 4.90%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 When you take advantage of the 4.90% APR promotional offer, Visa® balance transfers will accrue interest at 4.90% APR from the time that the transaction posts until the 4.90% APR promotional offer expires on 12/31/2025; thereafter, any remaining balance will begin to accrue interest at the APR for Balance Transfers, currently 12.90% (subject to change). Payments will be applied as stated in your Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 4.90% 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 and Visa® Alumni Classic Consumer Credit Card Agreement.