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Wescom Central Credit Union

Wescom Active Visa

This credit card is recommended for people with the following credit scores: 620-719 and 720+

Nationwide
Availability
Eligibility requirements
  • Must be a Wescom Member
  • This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

wescom.org

Phone

(888) 493-7266

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

13.9% – 23.9%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
620-719 23.9%
2 dollar sign symbols
Pay average interest
720+ 15.9%
1 dollar sign symbol
Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 12 months Introductory APR

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
30 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$15 for the first late payment
Over-limit fee
None
Card Replacement Fee
$5 (Charged for replacing a damaged or lost card)
Rush Card Fee
$18 (Charged when a cardholder requests to have their card sent by Fedex)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

0%* Balance transfer APR for 12 months
+
2% Balance transfer fee

*As of . Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

13.9% – 23.9%* Cash advance APR
+
2% Cash advance fee

*As of . Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score Median cash advance APR
620-719 23.9%
720+ 15.9%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.