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Credit Cards

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Find What Fits Your Spending Style

Whether you need to build your credit with a low rate card, build upon your Bruin pride, or build up points to redeem for your next vacation, Wescom has the credit card to fit your spending style. Plus, all of our cards have no annual fee and no foreign transaction fees!

Active Card
Wescom Active Visa
Simply a low rate, without the rewards
Apply
Annual Percent Rate (APR) as low as
9.15%*
0% intro APR for 12 months on purchases & balance transfers
After first 12 months, a variable rate of 9.15%-19.15% will apply.
Intro Balance Transfer Fee
$0
Balance Transfer Fee (after intro period)
$2 or 2%, whichever is greater maximum fee $50
Annual Fee
None
Rewards
None
One-Time Cash Back Bonus
None
With a Wescom Active Visa Credit Card, you’ll get a low variable rate and no annual fee to make shopping all the more enjoyable.

My Rewards
MyRewards Visa
Rewards on every purchase
Apply
Annual Percent Rate (APR) as low as
11.15%*
0% intro APR for 6 months on purchases & balance transfers
After the first 6 months, a variable rate of 11.15%-21.15% APR will apply.
Intro Balance Transfer Fee
$0
Balance Transfer Fee (after intro period)
$2 or 2%, whichever is greater maximum fee $50
Annual Fee
None
Rewards
1.5 points per $1 spent
One-Time $100 Cash Back Bonus
Earn 10,000 bonus points (a $100 value) when you spend $2,500 within first 3 months
With a Wescom MyRewards Visa Credit Card, you’ll get a low variable rate, no annual fee, no foreign transaction fees, and earn points redeemable for cash back and gift card options, travel selections, such as airline tickets and cruises, exclusive experiences, gasoline discounts, theme park tickets, event tickets, charitable donations, and more.

MyRewards is a free program that awards you 1.5 point for every dollar you spend on purchases. Balance transfers and cash advances do not earn MyRewards Points. Redemption offers for the MyRewards program may be changed without notice.

Bruin Edge
Bruin Edge Visa
Rewards that fuel your Bruin pride
Apply
Annual Percent Rate (APR) as low as
13.15%*
0% intro APR for 6 months on purchases & balance transfers
After the first 6 months, a variable rate of 13.15%-23.15% will apply.
Intro Balance Transfer Fee
$0
Balance Transfer Fee (after intro period)
$2 or 2%, whichever is greater maximum fee $50
Annual Fee
None
Rewards
1.5 points per $1 spent
5 points per $1 spent on select UCLA Purchases1
One-Time $500 Cash Back Bonus
Earn 50,000 bonus points (a $500 value) when you spend $2,500 within first 3 months
The Wescom Bruin Edge Visa Credit Card will fuel your Bruin Pride. You’ll get 1.5 points for every dollar charged and five points for every dollar purchased at UCLAStore.com, UCLA Store, select ASUCLA restaurants, Pauley Pavilion presented by Wescom and Rose Bowl Stadium concession purchases, and more. Plus, you’ll qualify for exclusive access to UCLA experiences and enjoy no annual fee and no foreign transaction fees. This card will treat you with rewards every Bruin would love.

1 MyRewards is a free program that awards you 1.5 point for every dollar you spend on purchases. Balance transfers and cash advances do not earn MyRewards Points. Redemption offers for the MyRewards program may be changed without notice. Select UCLA, ASUCLA and Rose Bowl Stadium venue purchases may be eligible to earn 5 points under the program.  View Bruin Cards Benefits complete list of eligible merchants.

Bruin Choice
Bruin Choice Visa
Built to help UCLA students start their credit journey with limits up to $1,000
Apply
Annual Percent Rate (APR) as low as
13.15%*
0% intro APR for 6 months on purchases & balance transfers
After the first 6 months, a variable rate of 13.15%-23.15% will apply.
Intro Balance Transfer Fee
$0
Balance Transfer Fee (after intro period)
$2 or 2%, whichever is greater maximum fee $50
Annual Fee
None
Rewards
1.5 points per $1 spent
5 points per $1 spent on select UCLA Purchases2
One-Time $50 Cash Back Bonus
Earn 5,000 bonus points (a $50 value) when you spend $500 within first 3 months
The best option for UCLA students to start building credit and earning rewards is the Wescom Bruin Choice Visa Credit Card. Enjoy 1.5 points for every dollar charged and five points for every dollar purchased at UCLAStore.com, UCLA Store, select ASUCLA restaurants, Pauley Pavilion presented by Wescom and Rose Bowl Stadium concession purchases, and more. Plus as a cardholder, you’ll have the opportunity to win VIP access to UCLA events and experiences, and no annual fee and no foreign transaction fees.

2 MyRewards is a free program that awards you 1.5 point for every dollar you spend on purchases. Balance transfers and cash advances do not earn MyRewards Points. Redemption offers for the MyRewards program may be changed without notice. Select UCLA, ASUCLA and Rose Bowl Stadium venue purchases may be eligible to earn 5 points under the program. View Wescom Bruin Cards Benefits for complete list of eligible merchants.

*APR=Annual Percentage Rate. Rates are valid as of 07/01/2021 and subject to changes without notice. APR may vary based on credit qualifications. Terms and conditions apply.
Terms and Conditions  

This Account Opening Table is provided in compliance with the Federal Truth-in-Lending Act. This is not a complete Truth-in-Lending Disclosure, but is incorporated into Wescom Central Credit Union's Credit Card Agreement and Federal Truth-In-Lending Disclosure. Effective: 07-01-2021

Wescom Info 

CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE

Visa 
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

MyRewards Signature/MyRewards/Secured
0.00% Introductory APR for six months from account opening.

After that, your APR will be 11.15% to 21.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Wescom Active
0.00% Introductory APR for 12 months from account opening.

After that, your APR will be 9.15% to 19.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Bruin Edge Signature/Bruin Edge/Bruin Choice
0.00% Introductory APR for six months from account opening.

After that, your APR will be 13.15% to 23.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

MyRewards Signature/MyRewards/Secured
0.00% Introductory APR for six months from account opening.

After that, your APR will be 11.15% to 21.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Wescom Active
0.00% Introductory APR for 12 months from account opening.

After that, your APR will be 9.15% to 19.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Bruin Edge Signature/Bruin Edge/Bruin Choice
0.00% Introductory APR for six months from account opening.

After that, your APR will be 13.15% to 23.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

MyRewards Signature/MyRewards/Secured
11.15% to 21.15%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Wescom Active
9.15% to 19.15%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Bruin Edge Signature/Bruin Edge/Bruin Choice
13.15%to 23.15%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if You pay Your entire balance by the due date each month and Your previous balance is zero or a credit balance.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Transaction Fees
  • Balance Transfer Fee: $2.00 or 2.00% of the amount of each balance transfer, whichever is greater (Maximum Fee: $50.00)
  • Cash Advance Fee: $2.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $50.00)
  • Foreign Transaction Fee: None
Penalty Fees
  • Late Payment Fee: Up to $15.00
  • Returned Payment Fee: Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - MyRewards Signature, MyRewards, Bruin Edge Signature, Bruin Edge, Bruin Choice, and Secured:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Promotional Period for Introductory APR - Wescom Active:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your account. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of: 07-01-2021 This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Secured is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Balance Transfer Fee (Finance Charge):
$2.00 or 2.00% of the amount of each balance transfer, whichever is greater, however, the fee will never exceed $50.00. However, the fee will not be assessed on transactions posted during the Promotional Period stated on the previous page.

Cash Advance Fee (Finance Charge):
$2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $50.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Rush Fee:
$18.00.

Statement Copy Fee:
$5.00 per document.

Not a Wescom Member?

Anyone who lives, works, worships, or attends school in Southern California is eligible to open an account at Wescom.

When you apply for a credit card, you'll become a Wescom member.

We'll deposit $1 in your Share Account which then makes you a member-owner of the Credit Union and unlocks all the benefits that come with membership.

Features & Benefits

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Account Alerts

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ATM Access

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Chat

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Mobile Banking

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Online Banking

Account Alerts

Our selection of Account Alerts can help you keep track of your finances by notifying you via text message or email about activity on your account or Visa® Credit Card.

To set up a new alert or modify your existing alerts, login to Online Banking and select Alerts from the menu. The Wescom Mobile Apps also offer push notifications.


ATM Access

Rely on us to be there when it counts. Find us at any one of our 30,000+ ATMs nationwide. That’s more than most banks!


Chat

Connect with a Wescom Member Contact Center Representative via SMS messaging or
please contact us at 1-888-4WESCOM (1-888-493-7266).


Mobile Banking

Stay in control by managing all your accounts with ease through Wescom’s Android App and iOS App.


Online Banking

Tap into free online banking and engage with all of our mobile banking tools in Online Banking.

Can We Help You Find Something?

Bank Anywhere

Anytime, with Wescom

Extend your relationship with Wescom, wherever you might be. Our robust remote banking features ensure convenient and secure access to your accounts with all the customer service benefits you know and love. Call/chat through our Member Contact Center, use Online Banking or download Wescom’s Mobile Banking App at the click of a button.

Remote Banking

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