Wescom MyRewards Visa^® Credit Card

Boost your purchasing power with a Wescom MyRewards Visa^® Credit Card and
enjoy additional perks as a Signature Member.

Real Value, Real Rewards

With a Wescom MyRewards Visa^® Credit Card, you know you’ll get a low variable rate, low fees, and a no-annual-fee card that really expands your purchasing power.

Annual Fee
Rate	None

MyRewards Points
Rate	1 Point per $1

Interest Rates As Low as
Rate	8.90% APR*

Balance transfers
Rate	Up to your full available credit limit

Annual Fee	None
MyRewards Points	1 Point per $1 (redeemable for cash, gift cards, or charitable donations)
Interest Rates As Low as	8.90% APR*
Balance transfers	Up to your full available credit limit

Apply Now

*APR=Annual Percentage Rate
Wescom Membership Required

Rewards for using your
Wescom Platinum Credit Card

1.50 Points

On XXX

2.00 Points

On XXX

2x/year

Cash balance transfer offers

Features & Benefits

Rewards

Picture Cards

Account Alerts

Online Cards Control

woman with blue phone holding credit card

FICO Score

Rewards

You can earn points just for using your Wescom Credit Card with MyRewards. Redeem your MyRewards Points for gift cards to major retailers, restaurants, grocery stores and gas stations. Or select from a variety of cards you can use to book hotels, airfare, rental cars, and cruises.

When you redeem your MyRewards Points for cash, the cash is deposited directly to the Wescom account of your choice. You can get up to $1,000 per year! Plus, Platinum Signature Members get a 10 percent discount when redeeming points! Find out how to build Signature Relationships and become a Platinum Signature Member to start enjoying the added perks and benefits.

Picture Cards

Now you can design your own Wescom Visa^® Debit Card or Credit Card with the Wescom IMAGINE THAT! Picture Card.

Creating your card is fast and easy! Just login to Online Banking, select the card you would like to design, and click on “Design Your Card”. Check the box to agree to the Image Rules, choose which card you’d like to design, then follow the steps to upload your favorite photo — or choose from our extensive gallery of card designs for only $9.95 (two fees waived for Platinum Signature Members and one fee is waived for Signature Members on an annual basis.) It’s that simple!

Only the primary card holder or first authorized user can request a Wescom IMAGINE THAT! Picture Card. A $9.95 service fee will be charged to your Wescom Checking Account (or Savings Account if you do not have a Wescom Checking Account). Two fees are waived for Platinum Signature Members and one fee is waived for Signature Members on an annual basis.

You can update your Visa Debit Card or Credit Card with a new image every six months per card type (Credit Card or Debit Card). You must have sole rights to use submitted image. Wescom reserves the right to decline images. Certain terms and restrictions may apply.

Account Alerts

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 Alerts from the menu. The Wescom Mobile Apps also offer push notifications.

Online Cards Control

Take advantage of online card controls through Online Banking. Activate your new card, set up card purchase alerts and more.

FICO^® Score

Check your monthly credit score with FICO® Score Summary in Online Banking for free with a Wescom Loan^†.

^† FICO^® Score summary through Wescom is complimentary for members with an active Wescom loan in good standing, Signature Members, and Platinum Signature Members. Members must opt-in to receive a FICO^® Score Summary. FICO^® is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Benefits

WESCOM CREDIT CARD

A MyRewards Visa^® Credit Card from Wescom gives you the option to manage your purchasing by allowing you to set up fraud prevention controls for certain transaction types.

ZERO LIABILITY
FRAUD ALERTS
ONLINE CARD CONTROL

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Terms and Conditions

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: 5-1-2020

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.90% to 17.90%
The APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

8.90% to 17.90%
The APR will vary with the market based on the Prime Rate.

APR for Cash Advances

8.90% to 17.90%
The APR will vary with the market based on the Prime Rate.

Paying Interest

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 of each month and your previous balance is zero or a credit balance. You will be charged interest on cash advances and balance transfers beginning on the date your transaction posts.

Minimum Interest Charge

There is no minimum interest charge.

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://consumerfinance.gov/learnmore/

Fees

Annual Fee

None

Transaction Fees

• Balance Transfer

$2 or 2% of the amount of each transfer, whichever is greater (maximum fee: $50).

• Cash Advance

$2 or 2% of the amount of each transfer, whichever is greater (maximum fee: $50).

• Foreign Transaction Fee

None

Penalty Fees

• Late Payment Fee

$15 if payment is not received within fifteen (15) days after your payment due date.

• Returned Payment

$25

How You Will Calculate My Balance: We use a method called "average daily balance" (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Wescom Central Credit Card Agreement and Federal Truth in Lending Disclosure.

Effective Date: The information about the cost associated with this card is accurate as of May 1, 2020 and subject to change after this date without notice. To find out what may have changed, call 1-888-493-7266.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). For more information call 1-888-4WESCOM (1-888-493-7266), option #5.

Boost Your Personality

Imagine That! Picture Cards

With IMAGINE THAT! Picture Cards, you can put your own custom design on your Wescom Visa Card^®or choose from a gallery of fabulous card designs. Design your cards to reflect your personality with photos of your loved ones, pets, a memorable vacation — the possibilities are endless.

Wescom MyRewards Visa^® Credit Card

Real Value, Real Rewards

Rewards for using your
Wescom Platinum Credit Card

Features & Benefits

Rewards

Picture Cards

Account Alerts

Online Cards Control

FICO Score

Rewards

Picture Cards

Account Alerts

Online Cards Control

FICO^® Score