Unlock the Power of Smart Spending and Earn Rewards with Every Purchase
At WSSC Federal Credit Union, our Visa® Platinum Credit Card is more than just a payment tool—it’s your key to financial freedom. Whether you're managing everyday purchases, dining out, or planning a dream vacation, our card is designed to fit your lifestyle while keeping costs low and rewards high. We offer one card to meet the needs of all our members, so that you do not have to figure out which one to choose and can avoid the marketing gimmicks used by competing cards.
Key Features:
- No Annual Fees, No Foreign Transaction Fees: Spend confidently with no hidden costs.
- Low Introductory Rate: Enjoy an introductory rate as low as 4.49% APR for the first 12 months on purchases and balance transfers. Maximum rate of 18% APR after the introductory period.
- No Penalty Rate: Rest easy knowing that we will not increase your interest rate based upon late payments.
- Low Minimum Payment Amount: Your minimum monthly payment will be 2% of your outstanding balance plus any amount that you might be over your approved limit.
- Low Late Fee: Our late fee, which is assessed when you miss your due date, is a flat $10 or the amount of your balance, whichever is less.
- Rewarding Every Purchase: Earn 1 point per $1 spent, and 1.5 points for every $1 spent over $1,500 each month. Plus, double points for dining out!
- Introductory Bonus Offer: Purchase $1,500 or more on your card within 90 days of account opening and get 5,000 bonus points.
- Redeem Your Way: Choose from cash, credits, travel, top retailers, or charitable donations—your points, your choice.
- 24/7 Call Center Support: Our team is always here when you need us.
- Advanced Security Features: With Visa's $0 Liability Protection and EMV/contactless technology, your card—and your finances—are secure.
- wallō App: Control your card on the go with our app, which allows you to set alerts, make your monthly payments, review your statements, see how many points you have accumulated, and more.
- Online & Mobile Banking: Link your credit card account to your Online & Mobile banking ID for seamless access.
- Payment Options: Worried about missing your minimum payment? Set your account up on payroll deduction or set a recurring payment through our app.
Wherever life takes you, your WSSC FCU Visa® Credit Card has your back—whether you're swiping, tapping, or using mobile payments.
Balance Transfers
Processing a balance transfer is simple and straightforward. Just have the card number and payment address for the card you are making payment to handy and complete the balance transfer form here or process the request yourself through our Online or Mobile Banking.
There are no balance transfer fees and the interest rate on the transfer will be your introductory (first 12 months an account is open) or standard rate for the next 12 months.
Balance transfers are usually completed within 10 business days, however, you should continue to make any minimum required payments on the other card to avoid late payments and fees.
Installment Plans
Our Installment Plans feature lets you control larger qualifying purchases by giving you the option to convert those purchases into a fixed repayment term (3-18 months) at a fixed rate of 4.99-6.99% APR*, regardless of your standard rate.
This feature, which is similar to Buy-Now-Pay-Later services, can help you save money, budget within your credit limit, and ensure that these purchases are paid off within a specific period of time. This feature is a great option for major car repairs, home improvements, etc. There is no penalty for paying a plan off early.
How does it work?
The minimum amount for a transaction to qualify is $100.00. The monthly installment amount is added to your minimum monthly payment each month, until the amount of the original purchase, plus finance charge, is paid-off.
Access your credit card through Online & Mobile Banking or the wallō app to view eligible purchases.
*APR = Annual Percentage Rate
Credit Card Benefits
Debt Protection
Secure Credit Cards
Build or Rebuild Your Credit with Confidence
At WSSC FCU, we understand that building or rebuilding credit can be challenging. That’s why we offer a Secured Visa® Platinum Credit Card—a valuable tool designed to help you establish or improve your credit score while enjoying the same benefits as our traditional Visa® Credit Card.
Who Would Benefit from a Secured Credit Card?
New to Credit: If you’re just starting to build credit, a secured credit card is a great way to establish a positive credit history.
Rebuilding Credit: If your credit score has taken a hit due to financial hardships, a secured credit card can help you rebuild your credit with responsible use.
How It Works:
Your deposit acts as collateral and sets your credit limit, giving you the opportunity to manage your credit while minimizing risk. Your deposit must be 125% of the credit limit requested. Funds are deposited into a Special Savings Account, where they are held.
As you make on-time payments, your credit score improves, and we report your
responsible credit behavior to the major credit bureaus.
Your card looks just like our traditional Visa® Platinum Credit Card.
Key Benefits of Secured Credit Cards:
No Annual Fees: Enjoy all the perks without extra costs.
Credit Building: On-time payments help boost your credit score over time.
Same Great Rewards and other Features: Earn rewards just like our traditional Visa® Credit Card with every purchase you make and enjoy all of the other benefits..
With a secured credit card from WSSC FCU, you can build or rebuild your credit while gaining access to the purchasing power you need.
Apply for a WSSC FCU Visa® Platinum Credit Card or Secured Visa® Platinum Credit Card today and start enjoying financial freedom and rewards.
