The PSECU credit card is a Visa card offered by the PSECU Credit Union. One of the biggest benefits to choosing a Credit Union credit card is that as a federally regulated bank, they cannot charge you interest rates over 19%! Compare this and other online credit cards now!
The PSECU credit card is no different, making it an excellent choice for PSECU members. That’s right, we said members. In order to qualify for this card you will have to open a savings or checking account at PSECU.
Fortunately, like many credit unions, there are no fees to open up a savings or a checking account. If you choose a basic account, you aren’t held to account minimums either, which can be beneficial during tough economic times.
PSECU Credit Card Overview
The first thing that you want to know is that this is a no fee card. What this means is that you aren’t charged a fee for using an ATM (other than what the ATM owner might charge), balance transfer credit card use, cash advance credit card withdrawals and more. This is almost unheard of it today’s credit climate.
The annual interest rate is 9.9% fixed. For the first year of use, all balance transfer activity will have an APR of 3.9%. After the year, all balance transfers will also be 9.9%.
PSECU also offers a free FICO score service for all of their card members. You can check your FICO score as many times as you want for no charge. In addition, you will receive free security and credit fraud alerts.
You will have access to a free budgeting tool that will help you to balance your budget each month. Members also receive free rental insurance collision coverage if you use your card to rent a vehicle.
PSECU Credit Card Benefits
- No annual fee
- Very low APR
- Fixed APR
- Free FICO score access
PSECU Credit Card Considerations
- Only for PSECU members
- Must have excellent credit to qualify
The bottom line is that is an excellent credit credit card with its very low interest rates a no fee program. If you have good to bad credit, then you cannot qualify for this card.
Use our credit card chaser tool to find other quality credit card offers online today!
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