Annual Percentage Rate for Purchases, Balance Transfers and Cash Advances
See account disclosures Benefits by Visa
Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances
See account disclosures Benefits by Visa
Annual Percentage Rate for Purchases, Balance Transfers and Cash Advances
See account disclosures Benefits by Visa
Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances
See account disclosures Benefits by Visa
Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances
See account disclosures Benefits by Visa
Earn rewards with every swipe of your Launch or Lux card. Redeem points for cashback, travel, gift cards and more! Keep building your rewards by exploring other qualifying WECU products, like Spend Plus Checking. Points don't expire! See our Member Rewards Terms and Conditions for details.
Take control of your finances without the extra costs! Our no-fee balance transfer makes it easy to transfer your existing balance and start saving immediately. No hidden charges, no surprises—just a straightforward, fee-free solution designed to help you pay down your debt faster and keep more of your money where it belongs: in your pocket. Already have a WECU Card? If you’d like to apply to transfer a balance, click below.
If you’d like to apply to increase your limit or transfer a balance, click below.
WECU offers a variety of credit cards for different stages of life.
Eligibility requirements vary by card, but generally, you’ll need to meet certain credit score criteria, have a steady income, and be at least 18 years old.
You can apply online or book an appointment.
You can prequalify without affecting your credit score.
Prequalification is available on WECU.com and allows applicants to see credit card offers they qualify for without impacting their credit score. If they accept the terms presented, they will consent to WECU pulling credit (a “hard hit”), which will appear as a credit inquiry on their credit report.
You can earn rewards with every swipe of your qualifying WECU credit card. Rewards cards include Launch and Lux. See Member Rewards Terms and Conditions for details.
Member rewards show up in your account the next day.
You can redeem rewards in the WECU online banking portal. Redeem rewards at $.01 per point for cash, travel, gift cards or for a charity of your choice. Points don’t expire! Minimum point redemption starts at $25.
See more about redeeming rewards.
WECU credit cards do not charge an annual fee.
Hive, Launch, and Lux cards do not have international transaction fees.
If you suspect someone has gained unauthorized access to your account, contact WECU immediately at 800-525-8703. TTY 800-833-6388
To report a card lost or stolen after hours, call 866-767-0814 (credit) or 844-909-1628 (debit).
If you are traveling outside the U.S. call collect at any time 415-805-4639 (credit) or 415-805-4713 (debit).
See more on our Security Center.
*Information contained in your credit report will be used to qualify you for an offer. An offer is not guaranteed. Loan approval is subject to verification of income, debt-to-income ratio, credit information, and application information needed to meet the minimum requirements established for the offer.
1Cardholder will select one Everyday Essential category for 3x rewards and one Food & Beverage category for 2x rewards each month. All other categories receive 1 point per $1. Rewards points apply to qualifying purchases. See Member Rewards Terms and Conditions for details
20% Intro APR for 6 months on purchases and balance transfers. Balances transferred from existing WECU cards do not qualify. 6-month period ends after 6 statement cycles. After 6 months, variable rate of 18.40% APR – 25.40% APR will apply, depending on creditworthiness. Rates and terms subject to change at any time without notice.
3To receive 15,000 bonus points, you must spend $1,500 in qualifying purchases on your WECU Hive Card in the first 90 days.
40% Intro APR for 90 days on purchases and balance transfers. Balances transferred from existing WECU cards do not qualify. 90-day period ends after 3 statement cycles. After 90 days, variable rate of 11.99% APR – 18.99% APR will apply, depending on creditworthiness. Rates and terms subject to change at any time without notice.
50% Intro APR for 12 months on purchases and balance transfers. Balances transferred from existing WECU cards do not qualify. 12-month period ends after 12 statement cycles. After 12 months, variable rate of 19.40% APR – 26.40% APR will apply, depending on creditworthiness. Rates and terms subject to change at any time without notice.
63% back rewards points applies to Dining, Entertainment, Home Improvement, and Streaming purchases. All other categories receive 1x rewards points. Rewards points apply to qualifying purchases. See Member Rewards Terms and Conditions for details.
7To receive 25,000 bonus points, you must spend $2,500 in qualifying purchases on your WECU Lux Card in the first 90 days.
The site you are about to visit is not operated or controlled by WECU, nor is WECU responsible for its content. WECU is not to be misconstrued as a representative for visitors of our website, the third party website operator, or for our members in the event of communication or a transaction. WECU's website terms, privacy and security policies may differ from this site.
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