PSECU Founder's Credit Card Review

This is a rewards credit card issued by The Pennsylvania State Employees Credit Union. If you're wondering whether PSECU Founder's Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Competitive APRs. PSECU Founder's Credit Card has a variable purchase APR of 12.4%
• 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.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on purchases everywhere PSECU Founder's Credit Card is accepted. PSECU Founder's Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus.

Does PSECU Founder's Credit Card have a cash back or rewards program?

PSECU Founder's Credit Card is a rewards card.

PSECU Founder's Credit Card Rewards

Minimum rewards rate	2x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the PSECU Founder's Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for PSECU Founder's 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. It has lower than average regular APRs.

It has a variable purchase APR of 12.4%. The card has a variable balance transfer APR of 3.9% . It also has a variable cash advance APR of 12.4% .

What are the fees for PSECU Founder's Credit Card?

The following fees apply:

PSECU Founder's Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Late Payment Fee	up to $27

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

Does PSECU Founder's Credit Card report your account activity to credit bureaus?

Yes, PSECU Founder's 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 PSECU Founder's Credit Card

• Visit the PSECU Founder's 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.