Last Updated: 07/28/2025
Westmark VISA Cash Rewards Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.25% - 20.25%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Westmark VISA Cash Rewards Credit Card Review
This is a cashback credit card issued by Westmark Credit Union. If you're wondering whether Westmark VISA Cash Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Westmark VISA Cash Rewards Credit Card has a variable regular 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 up to 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
| The Good | The Bad |
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back - 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does westmark credit cards have a signup bonus?
This card doesn't offer a cash signup bonus.Does westmark credit cards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the westmark credit cards benefits?
Westmark VISA Cash Rewards Credit Card 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?
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.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.Does westmark credit cards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does westmark credit cards 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 westmark credit cards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 cashback card.
Does westmark credit cards have a foreign transaction fee?
westmark credit cards charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 westmark credit cards?
The customer service number for westmark credit cards is (208) 523-1071.
What is the support contact email for westmark credit cards?
The support contact email for westmark credit cards is info@westmark.org.
How do people rate the customer service and user experience of westmark credit cards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Westmark VISA Cash Rewards Credit Card report your account activity to credit bureaus?
Yes, Westmark VISA Cash Rewards 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 Westmark Credit Union perform a hard credit pull?
Yes, westmark credit cards 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 westmark credit cards
- Visit the website of westmark credit cards.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
Other Services by Westmark Credit Union
Other Credit Cards from Westmark Credit Union
Rating not yet determined
Purchase APR
12.25% - 16.25%
Disclaimer popup with additional information
Balance Transfer APR
17.99%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.74% - 21.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
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