4 No-fee, low fixed-rate VISA® Credit Cards:

1. Cashback Visa Credit Card, from 9.00% APR fixed rate, earn 1% cash back on all purchases 
2. Platinum Rewards Visa Credit Card, from 8.50% APR* fixed rate, earn ScoreCard Rewards Points
3. Gold Visa Credit Card from 8.00% APR* fixed rate
4. Student Visa Credit Card 9.90% APR* fixed rate

Our Members appreciate the extremely low fixed rates, no annual fees, no-fee cash advances and no-fee balance transfers. To choose between our 4 credit card options, review the Compare Cards chart and find the one that is right for you.  

  • No Fees. Low Rates. WCTFCU Credit Cards feature very competitive rates, and no annual fees.
  • Contactless payment & Digital wallet-friendly.
  • EMV Chip Cards. All WCTFCU Credit and Debit Cards are EMV Chip enabled for our Members’ Security
  • No-Fee Balance Transfers. Tired of paying high interest rates and fees? Transfer your high-interest-rate credit cards' balances to a low-interest-rate WCTFCU Visa and enjoy no transfer and card fees.
  • 2.99% APR* Introductory Offer! New cardholders pay only 2.99% APR on the no-fee transferred balances from other cards, for the first 12 billing cycles. After that pay your standard the low interest rate (from 8% APR depending on card & rate). 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: 800-567-3451
Visa Credit Cards Video

Credit Cards, VISA® FAQs

*Annual Percentage Rate

Which Visa Card 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


Now you can 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.

3. WCTFCU 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 WCTFCU Visa credit 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 SecurLOCK 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 their 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.

Attention Debit & Credit Visa Card Holders! 

New 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