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Pennsylvania State Employees CU

Classic Visa

This credit card is recommended for people with the following credit scores: 620-719 and 720+

Nationwide
Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

psecu.com

Phone

(800) 237-7328

Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

12.9%* Purchase APR

*As of . Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
620-719 12.9%
1 dollar sign symbol
Pay less interest
720+ 12.9%
1 dollar sign symbol
Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
25 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$20 or the amount of the required minimum payment, whichever is less
Over-limit fee
None

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services
  • Access to Free Credit Scores
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

4.9%* Balance transfer APR for 12 months
+
$0 Balance transfer fee

*As of . Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

14.9%* Cash advance APR
+
$0 Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.