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1. Click Apply Now to get started.
2. Upon approval, we’ll open and fund a Savings Account with a $1 deposit for you to establish your membership.
Whether you need to build your credit with a low rate card, build upon your Bruin pride, or build up points to redeem for your next vacation, Wescom has the credit card to fit your spending style. Plus, all of our cards have no annual fee and no foreign transaction fees!
1 MyRewards is a free program that awards you 1.5 point for every dollar you spend on purchases, redeemable as 1.5% cash back. Balance transfers and cash advances do not earn MyRewards Points. Redemption offers for the MyRewards program may be changed without notice. Select Knott’s Berry Farm and California Marketplace venue purchases may be eligible to earn 5 points under the program, redeemable as 5% cash back.
2 Excludes third party vendors.
1 MyRewards is a free program that awards you 1.5 point for every dollar you spend on purchases, redeemable as 1.5% cash back. Balance transfers and cash advances do not earn MyRewards Points. Redemption offers for the MyRewards program may be changed without notice. Select UCLA, ASUCLA and Rose Bowl Stadium venue purchases may be eligible to earn 5 points under the program, redeemable as 5% cash back. View Bruin Cards Benefits complete list of eligible merchants.
MyRewards is a free program that awards you 1.5 point for every dollar you spend on purchases. Balance transfers and cash advances do not earn MyRewards Points. Redemption offers for the MyRewards program may be changed without notice.
*APR=Annual Percentage Rate. Rates are valid as of 02-01-2025 and subject to changes without notice. APR may vary based on credit qualifications. Terms and conditions apply.
Cash back offer is available through the redemption of MyRewards Points. Redemption values may vary. The Bonus Point offer is available for new Wescom cardholders who have not received a new cardholder bonus points offer from Wescom within the last 24 months. Existing cardholders are ineligible to receive this offer.
This Account Opening Table is provided in compliance with the Federal Truth-in-Lending Act. This is not a complete Truth-in-Lending Disclosure, but is incorporated into Wescom Central Credit Union's Credit Card Agreement and Federal Truth-In-Lending Disclosure. Effective: 02-01-2025
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| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases |
MyRewards Signature/MyRewards/Secured Wescom Active 0.00% Introductory APR for six billing cycles from account opening. 0.00% Introductory APR for six billing cycles from account opening. |
| APR for Balance Transfers |
MyRewards Signature/MyRewards/Secured Wescom Active Bruin Edge Signature/Bruin Edge Knott's Visa®/Knott's Signature Visa® |
| APR for Cash Advances |
MyRewards Signature/MyRewards/Secured Wescom Active Bruin Edge Signature/Bruin Edge Knott's Visa®/Knott's Signature Visa® |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if You pay Your entire balance by the due date each month and Your previous balance is zero or a credit balance. |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
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Transaction Fees |
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Penalty Fees |
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How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR - MyRewards Signature, MyRewards, Bruin Edge Signature, Bruin Edge, Secured, Knott’s Visa®, and Knott’s Signature Visa®:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six billing cycles following the opening of your account. On the first day of the month following six billing cycles, the APR will revert to the prevailing non-introductory APR on all balances. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Promotional Period for Introductory APR - Wescom Active:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 billing cycles following the opening of your account. On the first day of the month following 12 billing cycles, the APR will revert to the prevailing non-introductory APR on all balances. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Effective Date:
The information about the costs of the card described in this application is accurate as of: February 01, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Secured is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.
Other Fees & Disclosures:
Late Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Balance Transfer Fee (Finance Charge):
$2.00 or 2.00% of the amount of each balance transfer, whichever is greater, however, the fee will never exceed $50.00. However, the fee will not be assessed on transactions posted during the Promotional Period stated on the previous page.
Cash Advance Fee (Finance Charge):
$2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $50.00.
Card Replacement Fee:
$5.00.
Rush Fee:
$18.00.
Statement Copy Fee:
$5.00 per document.
Anyone in Southern and Central California* is eligible to open an account at Wescom.
When you are approved for a Wescom Visa credit card, you'll become a Wescom member.
We'll deposit $1 in your Share Account which then makes you a member-owner of the Credit Union and unlocks all the benefits that come with membership.
* Eligible Central, CA Counties include: Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare.
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Our selection of Account Alerts can help you keep track of your finances by notifying you via text message or email about activity on your account or Visa® Credit Card.
To set up a new alert or modify your existing alerts, login to Online Banking and select Account Alerts from the menu. The Wescom Mobile Banking App also offers push notifications.
Rely on us to be there when it counts. Find us at any one of our 30,000+ ATMs nationwide. That’s more than most banks!
Connect with a Wescom Financial Member Service Representative via SMS messaging or please contact us at 1-888-4WESCOM (1-888-493-7266).
Stay in control by managing all your accounts with ease through the Wescom Mobile Banking App.
Tap into free online banking and engage with all of our mobile banking tools on Online Banking.
Our selection of Account Alerts can help you keep track of your finances by notifying you via text message or email about activity on your account or Visa® Credit Card.
To set up a new alert or modify your existing alerts, login to Online Banking and select Account Alerts from the menu. The Wescom Mobile Banking App also offers push notifications.
Rely on us to be there when it counts. Find us at any one of our 30,000+ ATMs nationwide. That’s more than most banks!
Connect with a Wescom Financial Member Service Representative via SMS messaging or please contact us at 1-888-4WESCOM (1-888-493-7266).
Stay in control by managing all your accounts with ease through the Wescom Mobile Banking App.
Tap into free online banking and engage with all of our mobile banking tools on Online Banking.
Extend your relationship with Wescom, wherever you might be. Our robust remote banking features ensure convenient and secure access to your accounts with all the customer service benefits you know and love. Call/chat through our Member Contact Center, use Online Banking or download Wescom’s Mobile Banking App at the click of a button.
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