Introducing WECU Lux Visa

3x Rewards1
0% Intro APR for 12 Months, then 18.90%-25.90% APR will apply.2
25K Bonus Points3
Apply Now
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Member Rewards

Earn. Redeem. Keep Building.

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.

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Straightforward, Fee-free Balance Transfers

No Fee Balance Transfers

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.

Already have a WECU Visa?

If you’d like to apply to increase your limit or transfer a balance, click below.

Credit Card FAQs

What types of credit cards do you offer?

WECU offers a variety of credit cards for different stages of life.

What are the eligibility requirements to apply?

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.

How can I apply for a credit card?

You can apply online or book an appointment.

Will applying affect my credit score?

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.

How can I earn rewards on my credit card?

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.

How soon do rewards show up?

Member rewards show up in your account the next day.

How do I redeem member rewards?

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.

Are there annual fees associated with your credit cards?

WECU credit cards do not charge an annual fee.

Which credit cards have no international transaction fee?

Launch and Lux cards do not have international transaction fees.

What should I do if my credit card is lost or stolen?

If you suspect someone has gained unauthorized access to your account, contact WECU immediately at 800-525-8703.

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.

10% 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 18.90% APR – 25.90% APR will apply, depending on creditworthiness. Rates and terms subject to change at any time without notice.

23% back rewards points applies to Dining, Entertainment, Home Improvement, and Streaming purchases. All other categories receive 1x rewards points.

3To receive 25,000 bonus points, you must spend $2,500 in qualifying purchases on your WECU Lux 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.

We are excited to help you on your home ownership journey!

The first step is to create an account for your customized Real Estate experience.

Create Account