WSECU Create® Visa® card
Annual percentage rateCredit card APR refers to the interest amount paid on post-due balances.*
Earned rate decrease†
$250 - $2,500
Get rewarded for on-time payments
Make on-time payments for 6 months
See your rate drop 0.25%
Repeat until you reach a 2% reduction
Included with all WSECU Visa cards
- No annual fee
- Auto rental insurance
- No balance transfer fee
- Emergency cash/card disbursement
- Standard Visa card benefits
- Roadside Dispatch® service
- Global customer assistance services
Frequently asked questions
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 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.
Optimize your credit card for good financial health
How will you use your card?
Will you need to carry a balance? If so, go for a low rate. Will you pay your monthly balance in full most of the time? If so, go for the rewards.