Westmark VISA Cash Rewards Credit Card

Westmark VISA Cash Rewards Credit Card Review

This is a cashback card issued by Westmark Credit Union. If you're wondering whether westmark credit cards is the right card for you, read on.

Key Takeaways

• Competitive APRs. Westmark VISA Cash Rewards Credit Card has a variable purchase APR that ranges from 16.25% up to 20.25%.
• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.

Pros & Cons of westmark credit cards

westmark credit cards FAQ

Does westmark credit cards have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the westmark credit cards benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for westmark credit cards?

Westmark VISA Cash Rewards Credit Card has a variable purchase APR that ranges from 16.25% up to 20.25%. The card has a variable balance transfer APR of 17.99% . It also has a variable cash advance APR of 17.99% . Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for westmark credit cards?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Westmark VISA Cash Rewards Credit Card report your account activity to credit bureaus?

Yes, Westmark VISA Cash Rewards 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 westmark credit cards

• Visit the westmark credit cards 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.