Personal credit cards from Westerra Credit Union
Compare Visa® credit cards with rewards, low rates and no annual fee options
Features | Visa Signature® rewards credit card | Visa Select low‑interest credit card | Shared Secure Visa credit card^ |
|---|---|---|---|
Best for: | Earning rewards on everyday spending | Paying less interest over time | Building or rebuilding credit |
Rewards | 1.25 reward points for every $1 you spend.** | None | None |
Variable APR | 13.40%-21.00% APR* | 11.40%-21.00% APR* | 11.40%-21.00% APR* |
Annual fee | None | None | None |
Visa Signature® rewards credit card
A simple way to earn more from everyday spending
Earn rewards on the things you already buy with the Visa Signature® rewards credit card from Westerra Credit Union. With no annual fee and added Visa Signature® benefits built in, it’s an easy way to get more value from everyday purchases.
Why this Visa Signature® credit card works for you
Earn rewards on everyday purchases**
No annual fee
Visa Signature® benefits like travel support and purchase protection
Digital wallet ready with Apple Pay®, Google Pay™ and Samsung Pay™
Visa Select low‑interest credit card
A straightforward option for keeping interest costs down.
If carrying a balance from time to time is part of your plan, the Visa Select low‑interest credit card from Westerra Credit Union helps you stay in control. With a lower variable APR and no annual fee, it’s a simple, predictable way to manage everyday spending.
Why this Visa Select credit card works for managing balances
Lower variable APR
No annual fee
Simple, no‑frills option for everyday purchases
Digital wallet ready with Apple Pay®, Google Pay™ and Samsung Pay™
Balance transfer offer availableMove eligible balances to your Visa Select credit card and take advantage of a limited‑time introductory rate. Terms apply.
Shared Secure Visa credit card^
A simple way to build or rebuild credit
The Shared Secure Visa credit card from Westerra Credit Union is designed to help you establish or rebuild credit at your own pace. With a security deposit that sets your credit limit and no annual fee, it’s a practical way to build a stronger credit history through everyday spending.
Why this Shared Secure Visa credit card works for building credit
Designed to help build or rebuild credit
Your security deposit sets your credit limit
No annual fee
Digital wallet ready with Apple Pay®, Google Pay™ and Samsung Pay™
Credit card features and support
Card assistance
To report a lost or stolen Visa credit, debit card, call 303-321-4209 or 1-800-858-7212 during business hours, or 1-888-241-2510 at any time.
To activate a card, call 1-866-762-0558.
CardNav security
Download this free app for iOS (Apple App Store) or Android (Google Play) to add an extra layer of protection to your debit or credit cards.
Travel alerts
Send us a message through Digital Banking or notify us at 303-321-4209 with your travel dates and destination to head off any potential fraud alert service interruption.
Credit card questions
Yes. Using a personal credit card responsibly can help build or rebuild your credit history. This includes making on time payments and keeping balances manageable. The Shared Secure Visa credit card is designed to support this goal by using a security deposit to set your credit limit.
Visa Signature® rewards credit card balance transfer offer^^
As an introductory offer, there is no balance transfer fee, and eligible balances transferred within the first 12 months receive a fixed APR of 3.90%. After the introductory period, the variable APR is currently 13.40% to 21.00%, based on your credit.
Visa Select low interest credit card balance transfer offer^^
As an introductory offer, there is no balance transfer fee, and eligible balances transferred within the first 12 months receive a fixed APR of 1.90%. After the introductory period, the variable APR is currently 11.40% to 21.00%, based on your credit.
With the Visa Signature® rewards credit card, you earn rewards on everyday purchases. Rewards can be redeemed for options such as cash back, gift cards and other rewards, giving you flexibility in how you use them.
No. Westerra Credit Union personal credit cards do not have annual fees, so you can use your card without paying a fee just to keep it open.
Yes. Westerra credit cards work with Apple Pay®, Google Pay™ and Samsung Pay™, making it easy to pay securely in store, online or in apps using your smartphone.
Yes. Westerra credit cards include fraud monitoring and security tools to help protect your account. You can also use card controls and alerts through digital banking to monitor activity and manage your card with confidence.
Yes. You can use your Westerra credit card while traveling. Letting Westerra Credit Union know your travel plans ahead of time can help prevent interruptions and keep your card working smoothly.
General Terms*APR = Annual Percentage Rate.
Membership Required. Your APR is based on your credit qualification and will vary with the market based on the Prime Rate. Published APRs are effective as of 05/01/2026.
Foreign Transaction Fees: 2.00% of the U.S. dollar amount for foreign currency conversion and 0.80% for International Service Assessment (ISA). Cash Advance Fee: 2%.
Additional InformationCards issued by mail typically arrive within 4–7 business days. Applicants must be at least 18 years of age. A minimum of a 25-day grace period applies to purchases to avoid interest charges. For complete terms and conditions, please review the full Credit Card Disclosure.
**Rewards & BenefitsPIN-based transactions, ATM transactions, and Cash Advances are not eligible for reward point accrual. Certain terms, conditions, and exclusions apply to card benefits. To qualify for coverage, you must use your eligible Visa card to secure the transaction. Please refer to your Guide to Benefits for complete details.
^Shared Secured Visa Specific TermsThe Shared Secured Visa card is subject to the terms and conditions of the Visa Select card with the following exceptions. The minimum balance for a shared secured Visa is $500.00. Credit limit must be 100% secured by funds in a share account. A credit report will be obtained upon application.
^^Introductory Balance Transfer Offer Disclaimer: Introductory balance transfer rates apply only to Visa Signature® and Visa® Select credit cards. Offer valid for 12 billing cycles from account origination on balances transferred from other financial institutions. As an introductory offer, there is no balance transfer fee for either card, and eligible balances transferred within the first 12 months receive a fixed APR of 3.90% for the Visa Signature® Rewards Credit Card and 1.90% for the Visa® Select Low Interest Credit Card. After the introductory period, the variable APR for the Visa Signature® Rewards Credit Card is currently 13.40% to 21.00% and for the Visa® Select Low Interest Credit Card is currently 11.40% to 21.00%, each based on your creditworthiness and subject to change.
