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Credit Cards

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Find the Right Visa® Credit Card for You

With options for everything from earning cash back to building your credit, WSECU has you covered. Compare our cards and apply today for the one that fits your lifestyle and spending habits.

Here are your options:

Cash Back Visa Signature
Earn up to 1.5% cash back automatically. *

Low Rate Visa
No gimmicks, just a seriously low rate.

WSECU Create Visa®
Get rewarded for on-time payments.

Apply Now

Here's what you'll need

*1% cash back on purchases. Half percent (.50%) cash back on payments.

cash visa card

Cash Back Visa Signature

Earn Cash Back Automatically

Do you love earning cash back rewards on everything from travel to everyday purchases? So do we. That’s why our Cash Back Visa Signature credit card is perfect for all kinds of spending, especially if you typically pay off your balance every month. It gives you up to 1.5% cash back automatically every time you use it. Plus, you’ll love the Signature benefits and the sleek tungsten metal card.

Features include:

  • Up to 1.5% cash back automatically *
  • $5,000 - $50,000 limit
  • Annual Percentage Rate 12.75% - 24.25% *
  • Visa Signature Perks
  • Tungsten metal
  • Skip-A-Pay availability
  • No annual fee

Apply Now

*1% cash back on purchases. Half percent (.50%) cash back on payments. See Important Credit Card Disclosures for complete details and exclusions.  


Recommended if:
You're seeking cash rewards for everyday purchases and typically pay off most or all of your balance monthly.
Cash Back Visa Signature Card
Cash Back Visa Signature
Cash Back Visa Signature Card
Unique to this card:
  • Tungsten metal card
  • Identity theft protection
  • 1% automatic cash back on purchases
  • Visa Signature benefits
  • 0.5% automatic cash back on payments
  • Skip-A-Pay availability
Included with all cards:
  • Auto rental insurance
  • Emergency cash/card disbursement
  • Roadside dispatch
  • No balance transfer fee
  • Standard Visa benefits

*1% cash back on purchases. Half percent (.50%) cash back on payments. See Important Credit Card Disclosures for complete details and exclusions.

low rate visa

Low Rate Visa

No Gimmicks Here. Just a Seriously Low Rate.

Do you like keeping your finances simple and easy? The Low Rate Visa credit card can help you do just that. There’s no balance transfer fee or annual fee, and your interest rate will start low and stay low. It’s a great card to have in your wallet for purchases you want to pay off over time without accruing too much interest.

Features include:

  • Low introductory rate on balance transfers for six months ^
  • $250 - $50,000 limit
  • Annual Percentage Rate 6.25% - 17.75% ^
  • Visa Standard Perks
  • Skip-A-Pay availability
  • No annual fee

Apply Now

^See Important Credit Card Disclosures for complete details.  


Recommended if:
You typically pay more than the minimum monthly payment but less than the full balance.
Low Rate Visa Card
Low Rate Visa
Low Rate Visa Card
Unique to this card:
  • Low introductory rate on balance transfers for six months^
  • Low standard APR
  • Skip-A-Pay availability
Included with all cards:
  • Auto rental insurance
  • Emergency cash/card disbursement
  • Roadside dispatch
  • No balance transfer fee
  • Standard Visa benefits

^See Important Credit Card Disclosures for complete details.

wsecu create visa

WSECU Create Visa

Get Rewarded for On-Time Payments

Are you ready to start building your credit? The WSECU Create Visa credit card is a great option. With no annual fee and a low-interest reward program for on-time payments, you can establish healthy credit habits and set yourself up for a successful financial future. 

Features include:

  • 0.25% rate decrease with on-time payments 1
  • Tiered late fees: First late fee is $10, second is $20, all others are $25 ^
  • $250 - $2,500 limit
  • Annual Percentage Rate 15.25% ^
  • Visa Standard Perks
  • No annual fee

Apply Now

1Rate will decrease by 0.25% every six consecutive on-time payments, up to 2%. See Important Credit Card Disclosures for complete details. ^See Important Credit Card Disclosures for complete details.  


Recommended if:
You're a student or new borrower looking to build credit.
WSECU Create Visa Card
WSECU Create Visa
WSECU Create Visa Card
Unique to this card:
  • 0.25% rate decrease with on-time payments1
  • Tiered late fees: First late fee is $10, second is $20, all others are $25^
Included with all cards:
  • Auto rental insurance
  • Emergency cash/card disbursement
  • Roadside dispatch
  • No balance transfer fee
  • Standard Visa benefits

1Rate will decrease by 0.25% every six consecutive on-time payments, up to 2%. ^See Important Credit Card Disclosures for complete details.

platinum visa

Rewards Visa

Rewards Points Earned on Purchases

With one point per dollar earned on every purchase, the Rewards Visa credit card is a great option if you enjoy redeeming rewards for gift cards, travel or other great stuff. You can also take advantage of standard Visa benefits including identity theft protection. 

Features include:

  • 1 point per dollar charged *
  • $250 - $50,000 limit
  • Annual Percentage Rate 10.75% - 22.25% ^
  • Identity theft protection
  • Standard Visa Perks
  • No balance transfer fee
  • Skip-A-Pay Availability
  • No annual fee

Apply Now

^See Important Credit Card Disclosures for complete details about Rewards cards opened after 8/20/18.  *See Rewards Terms and Conditions for complete details about Rewards cards opened after 8/20/18.


Recommended if:
You appreciate redeemable rewards for things like merchandise, gift cards and airline tickets.
Platinum Rewards Visa Card
Platinum Rewards Visa
Platinum Rewards Visa Card
Unique to this card:
  • Earn 1 point per dollar charged^
  • 0% introductory rate on balance transfers for six months*
  • Identity theft protection
  • Skip-A-Pay availability
Included with all cards:
  • Auto rental insurance
  • Emergency cash/card disbursement
  • Roadside dispatch
  • No balance transfer fee
  • Standard Visa benefits

*See Important Credit Card Disclosures for complete details about Rewards cards opened after 8/20/2018. ^See Rewards Terms and Conditions for complete details about Rewards cards opened after 8/20/2018.

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Debt Consolidation Calculator

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
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Loan Consolidation Calculator

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Credit Card Payoff Calculator

The credit card payoff calculator helps you determine how long it will take you to pay off your credit card balance based on your monthly payment.
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