WCTFCU offers 3 VISA® Credit Cards. 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. All WCTFCU Credit Cards feature no annual fees, and very competitive rates.
  • EMV Chip Cards. All WCTFCU Credit and Debit Cards are EMV Chip enabled for our Members’ Security (100% activated within 2016)
  • 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
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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