Our low rates for purchases and balance transfers help you save on interest charges.
Your Classic Card's low 12.90% APR1 is nearly half the national average of 24.34%2, making it a smart choice for saving on interest when you need to carry a balance. Plus, there's no annual fee1 or foreign transaction fee - just honest savings.
Check out some popular credit card purchase rates* and how our Classic Card stacks up:
| Description | APR |
|---|---|
| PSECU Classic Card | 12.90% |
| Wells Fargo Active Cash® Card | 19.24%, 24.24%, or 29.24% Variable |
| Chase Freedom Unlimited® | 19.49%-28.24% Variable |
| Capital One® Venture® Rewards Credit Card | 19.99%, 26.24%, or 29.99% Variable |
*Valid as of 3/24/2025
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. Use our Balance Transfer Calculator to see how much you could save.
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.
1 APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure for full terms and conditions.
2The average credit card interest rate in America on 3.19.25 was 24.20% APR, according to lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america/
3 PSECU Visa® Classic Card/Visa® Alumni Classic Card: 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 October 1, 2025 through December 31, 2025 (“promotional period”). Any Visa balance transfers that post to your account after December 31, 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 March 31, 2027. 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 APR as of 10/06/2025 01:08:44 PM 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.