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  PSECU Business Visa Classic Credit Card

PSECU Business Visa Classic Credit Card

in Business Credit Cards from The Pennsylvania State Employees Credit Union

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PSECU Business Visa Classic Credit Card

Unaffiliated

in Business Credit Cards from The Pennsylvania State Employees Credit Union

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Highlights
Purchase APR  (Variable APR) 9.9%
Balance Transfer APR  (Variable APR) 2.9%
Credit Score Range 600 - 850
Annual Fee $0

PSECU Business Visa Classic Credit Card Review

Key Takeaways
  • Competitive APRs. PSECU Business Visa Classic Credit Card has a variable purchase APR of 9.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of PSECU Business Visa Classic Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • PSECU Business Visa Classic Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
PSECU Business Visa Classic Credit Card FAQ

Who is PSECU Business Visa Classic Credit Card designed for?

This is a credit card issued by The Pennsylvania State Employees Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR of 9.9%. The card has a variable balance transfer APR of 2.9% .

It also has a variable cash advance APR of 9.9%.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

PSECU Business Visa Classic Credit Card Rates & Terms
Purchase APR 9.9%
Balance Transfer APR 2.9%
Cash Advance APR 9.9%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $20.
  • There is no overlimit fee

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

PSECU Business Visa Classic Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Minimum Balance Transfer Fee $0
Late Payment Fee up to $20

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 237-7328.

Does PSECU Business Visa Classic Credit Card report your account activity to credit bureaus?

Yes, PSECU Business Visa Classic Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the The Pennsylvania State Employees Credit Union .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Message From PSECU Business Visa Classic Credit Card

Flexible ways to manage your company's spending. PSECU’s Business Credit Card helps you better control your company’s cash flow. A business credit card may just be your company’s most important spending tool. Whether you’re paying a vendor or covering an employee’s travel expenses, putting your business charges on a PSECU credit card makes money management easy. At the end of each month or fiscal year, you can easily review all your business expenses at a glance on your e-Statements. Cash advances from thousands of surcharge-free ATMs, with no cash advance fees. You can add your PSECU Business Credit Card to Apple Pay®, Google Pay®, Samsung Pay™, and the PSECU Wallet (for Android devices). Low-rate balance transfers- Move higher-rate business credit card balances to your PSECU Business Credit Card and save money right away.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:30am - 4:30pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 4:00pm
  • Friday 7:30am - 4:30pm
  • Saturday Closed

Other Services by The Pennsylvania State Employees Credit Union

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 0%
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
No Foreign Transaction Fee
Over-Limit Fee $0
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.9%
Credit Limit Up to $20,000
Purchase APR (Variable APR) 9.9%
Balance Transfer Fee % 0%
Balance Transfer Fee Minimum $0
Balance Transfer APR (Variable APR) 2.9%
Card Network Visa
Card Type
  • Balance Transfer

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