Skip to the main content MENU Classic Card Our low rates for purchases and balance transfers help you save on interest charges. Apply Now Resume Application or Check Status Benefits No annual fee Credit line of up to $30,000, if qualified Cash advances: Access funds through nearly 30,000 surcharge-free ATMs in our network with no cash advance fees Free credit score service* Low 9.9% APR** on all purchases Mobile-payment ready Quickly lock/unlock card Low-Rate Balance Transfers When you move higher-rate credit card balances to your Classic Card, you may be able to pay off your debt even faster. Our balance transfers feature: No fees for balance transfers, applications, or inactivity Easy, online transfer process through digital banking Apply Now Resume Application or Check Status Current Rates Valid as of 11/24/2021 2:28 PM EST DESCRIPTION APR* Visa Classic Purchase 9.90% Visa Classic Cash Advance 9.90% Visa Classic Balance Transfer 2.9% *APR denotes Annual Percentage Rate PSECU Visa® Classic and Visa® Alumni Classic Card: When you take advantage of the 2.9% Annual Percentage Rate (APR) 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 12/31/2022; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.90% APR and 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 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 and Visa® Alumni Classic Consumer Credit Card Agreement. Fees DESCRIPTION AMOUNT Annual fee $0 Balance transfer fee $0 Cash advance fee $0 Late fee Up to $20 Foreign transaction fee $0 * PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible. **APR denotes Annual Percentage Rate 800.237.7328. Products & Services Banking Services Credit Cards Loans Investing Rates PSECU for Employers About Us Our Story Leadership Newsroom Careers Resources Routing Number: 231381116 Find an ATM Member Login Money Management Resources Important Information Privacy Legal Information Disclosures & Agreements Security © 2021 PSECU. All Rights Reserved. | sitemap | Insured by NCUA. Equal Housing Lender.