Credit Cards
Explore the benefits of a WCCU Credit Card:
- Improve or start to build your credit by making timely payments
- No Annual Fees, Just Low Rates & Rewards!
Find A WCCU Card for Your Lifestyle!
Emerald Cash Back (VISA Signature) 11.50% – 18.00% APR*
Ideal for members who qualify for a $5,000 limit and pay off their card monthly or carry a low balance. This is an extremely competitive card for rewards. APR is slightly higher, but it is designed for members seeking a cash back incentive.
1.5% Cash Back (on purchases only)
Cash Back Expiration: 4 Years
Minimum Credit Line: $5,000
Cash back is deposited into WCCU Savings or Checking Account, or as payment on CC statement. ($25 minimum)
Can also be redeemed for merchandise, travel, or gift cards.
$250,000 of Travel Accident & Baggage Delay Insurance
Ruby Rewards VISA
9.75% – 18.00% APR*
Ideal for members that pay off their card monthly or carry a small balance. They still have a fairly low rate, but can earn rewards, too.
Rewards:
1 point per $1 spent (on purchases only)
Point Expiration: 3 Years
Points redeemable for merchandise, travel, gift cards or CC statement (Credit $50 minimum).
$100,000 of Travel Accident & Baggage Delay Insurance
Platinum VISA / Platinum MasterCard
7.25% – 18.00% APR*
Ideal for members that consistently carry significant balances or only make the minimum payment. These members may not be as concerned with earning Rewards because the priority is having a low rate. *Secured Cards are only available in this program.
No Rewards with WCCU Platinum Cards
*Rates are based on creditworthiness and will vary with the market based on the U.S. Prime Rate. No Annual Fee. Cash Advance Fee 2% (minimum $5). Foreign Transaction Fee up to 1% of the US dollar amount of the foreign transaction. Late Payment fee $25, Return Payment fee $25.