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

• Cashback
Visa Credit Card - fixed rate as low as 9.00% APR.* Earn 1% cash back on all purchases 
• Platinum Rewards Visa Credit Card - fixed rate as low as 8.50% APR.* Earn ScoreCard Rewards Points
• Gold Visa Credit Card - fixed rate as low as 8.00% APR.*
• Student Visa Credit Card - fixed rate as low as 9.90% APR.*

Find the card that's right for you. Compare WCTFCU Cards.  

Features & Benefits:

  • No Annual Fees. Low  Fixed Rates. 
  • Contactless payment & Digital wallet-friendly.
  • No-Fee Balance Transfers.  2.99% APR* Introductory Balance Transfer Offer for NEW Cardholders with balances transferred from non WCTFCU credit cards. Rate good for the first 12 months. Balance Transfer Form   (Balance Transfer rate offer not available on Student Visa Credit Card).
  • Protect your card from fraud with the Secur LOCK Equip Mobile App.
  • Activity Alerts. Opt-in to receive text &/or email alerts on the account activities you specify. 

    VISA Credit Card Contact Information 
  • 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
Credit Cards, VISA® FAQs

*APR =  Annual Percentage Rate.  Rates and terms subject to change without notice. Credit Card rates will be determined by an individuals credit history.

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

* APR = Annual Percentage Rate.  Rates and terms are subject to change. Credit Card rates will be determined by an individuals credit history.


Enjoy the benefits of your WCTFCU Visa Credit and 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!

*Available on participating smartphone models through most major carriers.

Protect your WCTFCU Visa Credit Card!

SecurLOCK Equip Mobile App- Protect your Credit Card from Fraud.

The SecurLOCK Equip App enables you to control credit card usage and spending by defining when, where and how the credit card is used.

Customize alerts and set limits such as:
     • 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 notify you based on transaction amount, GPS location of card usage, merchant type, if a transaction has been denied, etc.
     • Control & Monitor Family Spending: Set limits for spending. Decide when, where and how the card is used.

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

SecurLock FAQs.

Automatic Account-Updater for Debit & Credit Cardholders. 

Are there merchants to whom you have given your Visa Debit or Credit Card number to keep on file for recurring payments? If so, this applies to you.

Whenever you receive a new or renewed Debit or Credit Card from WCTFCU, your old card's information (i.e. number & expiration date) will automatically update to the new card's information for those merchants with whom you have set-up your card on file for recurring payments. (ex. subscriptions, gym memberships).

You may opt-out. If you choose to opt-out of the automatic update, you will need to manually update any auto-charge merchants you set-up yourself when you receive an updated WCTFCU Debit or Credit Card.

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

Updater Opt-Out