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Create credit history

Build credit and get rewards for on-time payments.

Get my card

Here's what you'll need

Here's what you'll need:

  • SSN or ITIN
  • Date of Birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses, e.g. monthly child support, childcare, alimony, etc. 

Create credit history

Build credit and get rewards for on-time payments.

Get my card

Here's what you'll need

WSECU Create® Visa® credit card

Annual percentage rateCredit card APR refers to the interest amount paid on post-due balances.*

18.75%

Earned rate decrease†

0.25%

Credit limit

$250 - $2,500

Recommended if:

You're a new borrower with no credit.

Get my card

Here's what you'll need

Here's what you'll need:

  • SSN or ITIN
  • Date of Birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses, e.g. monthly child support, childcare, alimony, etc. 

Get rewarded for on-time payments

  • 1

    Make on-time payments for 6 months

  • 2

    See your rate drop 0.25%

  • 3

    Repeat until you reach a 2% reduction

Additional perks

Get my card

Here's what you'll need

Here's what you'll need:

  • SSN or ITIN
  • Date of Birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses, e.g. monthly child support, childcare, alimony, etc. 

Tiered late fees*

Emergency cash disbursement

Lost or stolen card services

Included with all WSECU Visa credit cards

FAQ

For every six months of on-time payments, your rate will drop 0.25%, until you reach a 2% reduction.

No. Rates are not raised for missed payments. However, the six-month period for making on-time payments to earn a rate reduction will reset.

If there is no balance or minimum payment due, the payment period will not count toward the six months of on-time payments.

The first late fee is $10.00, or the equivalent of the minimum payment due, whichever is less. The second is $20.00 and all others afterward are $25.00 unless the minimum payment due is less in each instance.

The WSECU Create Visa credit card helps establish credit history. With opportunities to lower rates and a tiered late payment system, it is designed to encourage good credit habits that will support a healthy credit score in the future.

Looking for a different card?

Front view of the WSECU cash back visa signature credit card

Looking for cash-back rewards?

Front view of the Low Rate Visa credit card

Looking for a low rate?

Resources

How credit cards affect your credit score

What is credit and why it’s important

Beginner's guide to start building credit

* See Important Credit Card Disclosures for complete details.

† Rate will decrease by 0.25% every six consecutive on-time payments, up to 2%.

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