4 VISA® Credit Cards: Low Fixed Rates & No Fees!

Members love our Visa Credit Cards. Select the one that is best for you!

  1. Cashback Visa from 9.00% APR* get 1% cash back on all purchases 
  2. Platinum Visa
 from 8.50% APR* with ScoreCard Rewards Points
  3. Gold Visa from 8.00% APR*
  4. Student Visa 9.90% APR*

*Annual Percentage Rate
  • No Fees. Low FIXED Rates. Very competitive fixed rates, and no annual fees. Our Visa credit card interest rates do not go up when the federal interest rate goes up!
  • Balance Transfers & Cash Advances. Why pay high interest rates, annual fees and transfer fees? Roll your credit card debt to a WCTFCU Visa Credit Card.
  • Activity Alerts. Opt-in to receive text &/or email alerts on account activities you specify. (details below)
  • Contactless Payment & Digital Wallet-friendly.  enabled for our Members’ convenience & security.
  • 2.99% APR Introductory Offer Pay only 2.99% APR for 12 months, on balances transferred from other credit cards to your new WCTFCU Visa Credit Card - available during first year with your new card. (new cardholders only)
Visa Credit Cards Video

Use the chart below
to compare the features & benefits of our 4 Visa Credit Cards, to pick the one that is best for you!
Compare VISA® Cards Cashback VISA® Platinum VISA®Rewards Points Gold VISA® Student VISA®
Fixed Interest Rate % APR* from 9.00% from 8.50% from 8.00% from 9.90%
No Fees (No annual, monthly, balance transfer, cash-advance, other fees) checkmark checkmark checkmark checkmark
Cash Back 1% on all purchases checkmark      
ScoreCard Rewards®Points   checkmark    
Free Cash Advance checkmark checkmark checkmark checkmark
Free Balance Transfers checkmark checkmark checkmark checkmark
Free Travel Accident Insurance checkmark checkmark checkmark checkmark
Warranty Services checkmark checkmark    
Free Auto Rental Collision Damage Waiver Insurance checkmark checkmark checkmark checkmark
Credit Cards, VISA® FAQs Apply Now for a credit cardExchange my WCTFCU Visa Apply Now for a credit card Apply Now for a credit card Apply Now for a credit card

* Annual Percentage Rate

Traveling?  NOTE: Call the branch so we can note your travel info on your card for your protection!


Enjoy all the benefits of your WCTFCU Visa Credit Card & Visa Debit Card, with the convenience of your smartphone's Digital Wallet App (Apple Pay, Google Pay, Samsung Pay*).

Simply add your WCTFCU cards to your Digital Wallet App for quick convenient & secure in-person and in-App purchases wherever you see the Digital Wallet icons.

Here's How:
1. Open or download your Digital Wallet App. Use the App to scan your card(s) or take a photo with your device's camera.

2. Follow the prompts to add & secure your WCTFCU Visa Credit Card & Visa Debit Card to your Wallet.

will securely verify your card(s) information. 

4. To use - hold your phone (or Apple Watch) to the card terminal as indicated, and your payment will be processed!

Fast. Convenient. Secure. The new, mobile way to make purchases with your WCTFCU Visa Cards.

Questions? Call us 800.992.2226

*Available on participating smartphone models, through most major carriers.

Protect your WCTFCU Visa Credit Card!

SecurLOCK Equip Mobile App

For an extra level of security and to safeguard your Visa credit card from fraud, WCTFCU credit card holders can now control access to their card utilizing an App, on a smartphone and tablet. 

Introducing SecurLOCK Equip  Our new Visa credit card security App, SecurLOCK Equip, enables our Visa credit card holders to control credit card usage and spending, via smartphone & tablet, by defining when, where and how the credit card is used.

The SecureLOCK Equip App lets credit card holders safeguard their card from fraud with customized alerts and the ability to set limits:
     • Turn your card ON and OFF anytime, right from your smartphone. Turn the card ON when you are ready to use it, and OFF when you are done using it.
     • Set Alerts to keep you aware of what’s happening on your card. Alerts can notify you immediately based on transaction amount, GPS location of card usage by identifying your phone’s location, merchant type, if a transaction has been denied, etc.
     • Control & Monitor Family Spending: Set limits for spending. Decide when, where and how they use your credit cards. Plus you can set other features and alerts as well.

Download the SecurLock Equip Visa Credit Card App from Google Play for Androids & the App Store for iPhones.

Traveling out of state? Call the branch so that we may note this on your account.

SecurLock FAQs.

VISA Credit Card Activity Alerts. Free Opt-in now!

VISA Alerts are easy to set up by cardholders who want to receive text &/or email, near real-time, notifications of the card activities that they select. You can
  • track specified card activity (ex. charges, payments, etc.)
  • track your spending habits (ex. charges over a set $ amount)
  • monitor your account for fraudulent activity (unfamiliar charges)
Alerts contain important information including purchase amount, retailer & location (if available), and the last 4 digits of your VISA card. Free for WCTFCU VISA cardholders, VISA Alerts can be a fraud alert tool, and a helpful  budgeting resource. VISA Alerts are a valuable tool for managing your account.

Other Visa Credit Card Links:

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Learn more about Credit Cards, Credit Scores & Credit Reports.

Knowledge is Power. Credit Cards offer great convenience and security, but also come with great responsibility. Before choosing a credit card, or using one to make a purchase, it is important that you understand how they work. 

Learn More about the features, benefits and risks of owning & using a credit card, including:
+ Credit card basics
+ Comparing credit card offers
+ Your consumer rights
+ Paying off your balance

Credit Scores & Reports  We all have a credit score. Your credit score will either empower and enable you (availing the best rates to the best scores), or punish you in ways you will know and perhaps never know (ex. limited credit options, impact on employment potential). 

Learn More Your credit scores significantly impacts your financial wellness. Is your credit score helping or hurting you? Click on the Money-Wise! button for videos, tools & more. You'll learn how to read your credit report, and how to affect & keep your credit score healthy, including:

+ How a credit score is calculated
Where you can find your credit score
How to protect your credit score