PSFCU Liberty Student Credit Card

PSFCU Liberty Student Credit Card Review

This is a rewards card issued by Polish and Slavic Federal Credit Union. If you're wondering whether PSFCU Liberty Student Credit Card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 2500 points after spending $1,500 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. PSFCU Liberty Student Credit Card has a variable purchase APR of 11.240%
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. PSFCU Liberty Student Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of PSFCU Liberty Student Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Travel accident insurance. Cardholders can earn rewards on purchases everywhere PSFCU Liberty Student Credit Card is accepted. PSFCU Liberty Student Credit Card reports to multiple credit bureaus.	Charges a 3% balance transfer fee

PSFCU Liberty Student Credit Card FAQ

Does PSFCU Liberty Student Credit Card have a cash back or rewards program?

PSFCU Liberty Student Credit Card is a rewards card.

PSFCU Liberty Student Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	2500
Signup Bonus Spend Requirement	$1500
Signup Bonus Spend Period (months)	3 months

What are the PSFCU Liberty Student Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Cell Phone Protection
• Reports to major credit bureaus

What are the relevant APRs for PSFCU Liberty Student Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

PSFCU Liberty Student Credit Card has a variable purchase APR of 11.240%. The card has a variable balance transfer APR of 10.99% . It also has a variable cash advance APR of 11.240% .

What are the fees for PSFCU Liberty Student Credit Card?

The following fees apply:

PSFCU Liberty Student Credit Card Fees

Description
Cash Advance Fee Minimum	$5
Cash Advance Fee (%)	Up to 1%
Minimum Cash Advance Fee ($)	Starting at $5
No Annual Fee?
Annual Fee	$0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does PSFCU Liberty Student Credit Card report your account activity to credit bureaus?

Yes, PSFCU Liberty Student 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 for PSFCU Liberty Student Credit Card

• Visit the PSFCU Liberty Student Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.