WCTFCU offers 3 no-fee, low-flat-rate VISA® Credit Cards:

1. Platinum Visa Credit Card, with ScoreCard Rewards Points
2. Gold Visa Credit Card
3. Student Visa Credit Card

Our Members appreciate the extremely low flat rates, no annual fees, and no-fee balance transfers. To choose between our credit card options, review the Compare Cards chart to find the one that is right for you.

  • No Fees. Low Rates. WCTFCU Credit Cards feature very competitive rates, and no annual fees.
  • EMV Chip Cards. All WCTFCU Credit and Debit Cards are EMV Chip enabled for our Members’ Security
  • Balance Transfer. Tired of paying high interest rates and fees? Transfer your high-interest-rate credit cards' debt to a low-interest-rate WCTFCU Visa for low rates and no transfer and card fees. You'll get 2.99% APR on the no-fee transferred balance, for the first 12 billing cycles, then get the permanent low interest rate (8% APR or 8.5% APR for Scorecard Points). Balance Transfer Form
  • Activity Alerts. Opt-in to receive text &/or email alerts on the account activities you specify. 
  • Dispute a VISA® charge: 800-237-6211
  • Lost or Stolen VISA Credit Card? Call 800-325-3678
  • VISA Customer Service: 800-237-6211
  • Activate Your New VISA Credit Card: 800-543-5073
Credit Cards, VISA® FAQs

Which Visa Card Is Best for You?

Compare VISA® Cards

Student VISA® Gold VISA® Platinum VISA® ScoreCard Rewards
Interest Rate % APR 9.9% from 8.00% from 8.50%
No Fees (annual, monthly, other) checkmark checkmark checkmark
ScoreCard Rewards Points     checkmark
Free Cash Advance checkmark checkmark checkmark
Free Balance Transfers checkmark checkmark checkmark
Free Travel Accident Insurance checkmark checkmark checkmark
Free Travel & Emergency Services     checkmark
Warranty Services     checkmark
Free Auto Rental Collision Damage Waiver Insurance checkmark checkmark checkmark
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Attention Debit & Credit Visa Card Holders! 

 Automatic Account-Updater 

Soon your WCTFCU Visa Debit credit and Visa credit card will provide the automatic Account Updater,* convenience service.

Are there merchants to whom you have given your Visa debit or Visa credit card to keep on file, for recurring payments? If so, this applies to you.

Whenever you receive a new or renewed debit or credit Visa card, your old card's information (i.e. number & expiration date) will automatically update to the new card's number & expiration date; for all  the merchants with whom you maintain your card on file for recurring payments (ex. subscriptions, gym memberships).

You may opt-out. If you do not want to utilize this convenience, you may opt-out. If you opt-out of this automatic update, it will be incumbent upon you to manually update your auto-charge merchants whenever you receive an updated WCTFCU debit and/or credit Visa card.

How to Opt-Out  To opt-out, click on the green Updater Opt-Out button below.

Questions? Call Member Service.

Updater Opt-Out