Westmark VISA Platinum Credit Card

Westmark VISA Platinum Credit Card Review

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

Key Takeaways

• Competitive APRs. Westmark VISA Platinum Credit Card has a variable purchase APR that ranges from 12.25% up to 16.25%.
• 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 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, and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of westmark credit card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair credit. Westmark VISA Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

westmark credit card FAQ

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

No, it does not offer a rewards program.

What are the westmark credit card benefits?

It provides the following benefits:

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

What are the relevant APRs for westmark 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.

Westmark VISA Platinum Credit Card has a variable purchase APR that ranges from 12.25% up to 16.25%. 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 card?

The following fees apply:

Westmark VISA Platinum Credit Card Fees

Description
Foreign Currency Transaction Fee	1%
No Annual Fee?
Annual Fee	$0
Minimum Interest Charge	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $20
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 Westmark VISA Platinum Credit Card report your account activity to credit bureaus?

Yes, Westmark VISA Platinum 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 card

• Visit the westmark 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.