Credit Cards

Reward Points

No Foreign Transaction Fees

Credit Card Overview

When you take a look at our credit cards, you won’t find anything overly fancy. What you will find are good, solid features and a choice of benefits. You’ll also find layers of security that keep you and your card as protected as possible from fraud. Not a member yet? You can apply for a credit card here.

Credit Card Features & Benefits
  • Several card types - see our comparison chart below
  • Rewards points on applicable cards
  • Can be used with Apple PayTM 
  • No foreign transaction fees
  • Low, variable rate
  • No annual fee
  • 25-day interest-free grace period on purchases
  • No balance transfer fees
  • No over limit fee
  • Optional overdraft protection
  • See disclosure for full details

EMV Chip Technology is Coming!

Starting mid-November, one of the features of our new Visa® cards will be the addition of EMV chip technology. Using the card with this new feature will be a little different, so we thought we'd share this short video that shows how it works.

Compare Our Credit Cards
What Are You Looking For?Card TypeBenefitsAPR*
  • Substantial credit limit
  • Rewards program
Platinum Rewards
  • Reward points: one point per $1
  • $1 million travel accident insurance
  • Auto Rental Insurance
  • Higher credit limit
  • Rewards program
Gold Rewards
  • Reward points: one point per $1
  • $250,000 travel accident insurance
  • Travel and emergency assistance
  • Higher credit limit
  • Rebate program
Gold Rebate
  • Rebate: 1% of every purchase
  • $250,000 travel accident insurance
  • Travel and emergency assistance
  • First-time borrower
  • Rewards program
Student Rewards
  • Reward points: one point per $1

*Annual Percentage Rate. Visa variable rate credit cards are calculated at the rate specified then adjusted monthly based on the index plus margin indicated in the Important Credit Card Disclosures.

  • Automatic Payments
    Automatic Payments

    Isn’t forgetting to make a loan payment the worst? It doesn’t look good on your credit report and sometimes there are late fees to boot. Yuck. The simple solution is automatic payment and we’d be more than happy to help set it up for you. If you’d like to schedule automatic payments yourself, give it a try under the Payments tab in Online Banking.

  • E-Statements

    We’re all about eco-friendly, and e-statements help keep things a little tidier all the way around. You can sign up for them under the Documents tab in Online Banking, be notified by e-mail when they’re available for viewing and know they’re securely stored for you. No more hard copies to file and shred!

  • Mobile Banking
    Mobile Banking

    Mobile Banking is account management on the go. Having the ability to check balances, keep tabs on activity and transfer funds on the spot – along with several other features – is very handy and pretty much the norm these days. We’re happy to oblige.

    You have a choice – browser or app – but you'll want the app because...wait for get Mobile Deposit!

  • Online Banking
    Online Banking

    Online Banking is one of the ways we help you make banking the most enjoyable hassle of your day. And when there’s access to check balances and activity, transfer funds, pay bills and more whenever you need it, banking really isn’t a hassle at all, right?

  • Payroll Deduction
    Payroll Deduction

    What is payroll deduction? It’s a way to have part of your paycheck deposited into an account or applied as a loan payment. We’re happy to accept payroll deductions if your employer offers it – check with your company’s payroll department for more information.

  • Shared Branching
    Shared Branching

    Shared Branching is the cooperative spirit in action. Thanks to a partnership with several of our fellow credit unions, you have WSECU branches away from home at over 5,000 participating credit unions. You can search for Shared Branches on our Locations page.

  • Telephone Banking
    Telephone Banking

    If you’d rather use a good old-fashioned phone to access your accounts, meet Telephone Banking. Our automated system lets you check account, loan and credit card balances, make transfers, check withdrawals and more. A quick call to our Contact Center for an access code will get you started. We also offer a guide with a detailed list of available services.

Ready to apply? Sign in to Online Banking today.

Photo of Andrew U.
Member Story
Andrew U.

I just wanted to say that I love WSECU. They have some of the BEST customer service. Even if I am "freaking out" they're always calm and friendly, no "attitude" when you call a day (or two) late on a payment; they always give you the feeling that they're just happy to help.