Compare VISA® Cards Student VISA® Gold VISA® Platinum VISA® Rewards Points
Interest Rate % APR* 9.90% fixed from 8.00% fixed from 8.50% fixed
No Fees (No annual, monthly, balance transfer, cash-advance, other fees) checkmark checkmark checkmark
ScoreCard Rewards Points     checkmark
Free Cash Advance checkmark checkmark checkmark
Free Balance Transfers checkmark checkmark checkmark
Add to your Mobile Digital Wallet checkmark checkmark checkmark
Free Travel Accident Insurance checkmark checkmark checkmark
Free Travel & Emergency Services     checkmark
Warranty Services     checkmark
24/7 Fraud Monitoring checkmark checkmark checkmark
Free Auto Rental Collision Damage Waiver Insurance checkmark checkmark checkmark
Credit Cards, VISA® FAQs Apply Now for a credit card Apply Now for a credit card Apply Now for a credit card
19-Digital-Wallet-Tablet-1540x820

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.


Money-Wise Owl 640x360

Money-Wise!   

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

Money-Wise!