Last Updated: 07/28/2025
West Michigan CU Better Rate Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 11.00%(Verified 09/20/2024)
Balance Transfer APR (Variable APR)
Starting at 11.00%(Verified 09/20/2024)
Credit Score Range
650 - 850
Annual Fee
$0
West Michigan CU Better Rate Credit Card Review
This is a secured credit card issued by West Michigan Credit Union. If you're wondering whether West Michigan CU Better Rate Credit Card is the right card for you, read on.
Key Takeaways
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of West Michigan CU Better Rate Credit Card
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West Michigan CU Better Rate Credit Card FAQ
Does West Michigan CU Better Rate Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for West Michigan CU Better Rate Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.West Michigan CU Better Rate Credit Card has a variable purchase APR starting at 11.00%. The card has a variable balance transfer APR starting at 11.00% . It also has a variable cash advance APR starting at 11.00% .
Does West Michigan CU Better Rate Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does West Michigan CU Better Rate Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for West Michigan CU Better Rate Credit Card?
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| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for West Michigan CU Better Rate Credit Card?
The customer service number for West Michigan CU Better Rate Credit Card is (800) 442-4576.
What is the support contact email for West Michigan CU Better Rate Credit Card?
The support contact email for West Michigan CU Better Rate Credit Card is CUinfo@westmichigancu.com.
What is the login page for West Michigan CU Better Rate Credit Card?
You can access the login page of West Michigan CU Better Rate Credit Card here.
How do people rate the customer service and user experience of West Michigan CU Better Rate Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does West Michigan CU Better Rate Credit Card report your account activity to credit bureaus?
Yes, West Michigan CU Better Rate Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does West Michigan Credit Union perform a hard credit pull?
Yes, West Michigan CU Better Rate Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for West Michigan CU Better Rate Credit Card
- Visit the website of West Michigan CU Better Rate Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed