Westerra Credit Union Visa Select Credit Card
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| Purchase APR (Variable APR) |
12.65% - 21% (Verified 09/22/2023) |
| Balance Transfer APR (Variable APR) |
12.65% - 21% (Verified 09/22/2023) |
| Credit Score Range | 620 - 850 |
| Annual Fee | $0 |
Westerra Credit Union Visa Select Credit Card Review
This is a card issued by Westerra Credit Union. If you're wondering whether Westerra Credit Union Visa Select Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Westerra Credit Union Visa Select Credit Card has a variable purchase APR that ranges from 12.65% up to 21%.
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.80% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 620.
Pros & Cons of Westerra Credit Union Visa Select Credit Card
| The Good | The Bad |
|---|---|
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Westerra Credit Union Visa Select Credit Card FAQ
Does Westerra Credit Union Visa Select Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Westerra Credit Union Visa Select Credit Card benefits?
It provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Westerra Credit Union Visa Select Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Westerra Credit Union Visa Select Credit Card has a variable purchase APR that ranges from 12.65% up to 21%. The card has a variable balance transfer APR that ranges from 12.65% up to 21%. It also has a variable cash advance APR that ranges from 12.65% up to 21%.
Does Westerra Credit Union Visa Select Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.90% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 1.90% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 12.65% - 21% |
Does Westerra Credit Union Visa Select 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 Westerra Credit Union Visa Select Credit Card?
The following fees apply:
| Description | |
|---|---|
| Cash Advance Fee (%) | 2% |
| Foreign Currency Transaction Fee | 0.80% |
| Annual Fee | $0 |
| Late Fee Amount | Up to $15 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Westerra Credit Union Visa Select Credit Card have a foreign transaction fee?
Westerra Credit Union Visa Select Credit Card charges a foreign transaction fee of 0.80%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Westerra Credit Union Visa Select Credit Card?
The Westerra Credit Union Visa Select Credit Card customer service number is (303) 321-4209.
What is the support contact email for Westerra Credit Union Visa Select Credit Card?
The support contact email for Westerra Credit Union Visa Select Credit Card is email@westerracu.com.
What is the Westerra Credit Union Visa Select Credit Card login page?
You can access the Westerra Credit Union Visa Select Credit Card login page here.
How do people rate the customer service and user experience of Westerra Credit Union Visa Select Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Westerra Credit Union Visa Select Credit Card report your account activity to credit bureaus?
Yes, Westerra Credit Union Visa Select Credit Card reports your account activity to the following credit reporting agencies:
- 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 improve your credit.
How to apply for Westerra Credit Union Visa Select Credit Card
- Visit the Westerra Credit Union Visa Select Credit Card website.
- 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.
Contact
- Headquarters
-
3700 E Alameda Ave
Denver, CO 80209 - (303) 321-4209
- Visit Site
- Email Support
Other Services by Westerra Credit Union
Other Credit Cards by Westerra Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee (%) | 2% |
| Foreign Currency Transaction Fee | 0.80% |
| Annual Fee | $0 |
| Late Fee Amount | Up to $15 |
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