#Credit Cards

Cards for Your Budget

Find the Right Card for You

From a starter card for building credit all the way to a higher limit for earning rewards points or cash back, we have the right card program for you.

• Receive low rates.
• Manage your accounts through Web Branch.
• Track spending with Money Management Tools .
• Earn points towards airfare, merchandise and gift cards or donate points to charity with a Visa Platinum with Rewards card.
• Earn cash back on purchases with a Visa Platinum with Cash Rewards card.
• Save money and pay down balances faster with a Balance Transfer. Enjoy no fee,* and new cardholders receive introductory rates as low 2.99% APR 1 for transfers made during the first 60 days after opening their accounts. Balances will be held at 2.99% Intro APR for one year, at which time unpaid promotional balances will go back to the original rate. Any balance transfer made after the intro period will be the same interest rate as purchases.
• Use a Cash Advance to transfer money from your available limit directly to your checking or savings account. There’s no fee* for Cash Advances made in Web Branch, and you are charged the same interest rate as purchases.
• Choose from our customized card designs .
• Get an Instant Issue credit card. Apply for and leave with your credit card the same day. Simply stop by any branch. fill out an application and we can print your card so you can take it with you that day.
• Pay from your mobile phone with Apple Pay or Google Wallet .

Visa Platinum

Earn a rate as low as 8.50% APR* along with a spending limit that reflects your credit history.

Credit Limit: $500 and up

Visa Platinum with Rewards

Receive one point for every dollar in purchases. Earn bonus points when you shop at partner merchants in store, online or through special offers. Redeem points for airfare, gift cards, hotel stays, merchandise and more. Plus, your points never expire, and you can enjoy a rate as low as 9.85% APR*. Learn more

Credit Limit: $5,000 and up

Visa Platinum with Cash Rewards

Receive 1% cash back for every $1 you spend. Earn bonus cash when you shop at partner merchants in store, online or through special offers. We'll apply the cash you've earned to your credit card balance each October. Enjoy a rate as low as 11.10% APR*. Learn more

Credit Limit: $5,000 and up

Visa Student 2

Start building credit responsibly. Get a rate as low as 9.85% APR* with a reasonable credit limit that grows with you. Learn more

Credit Limit: $500 and up

Visa Secured

Use this card to build or repair your credit history. Get a rate as low as 13.95% APR* with a credit limit that is secured by the dollar amount you set aside in savings. Call us at 800-533-6773 or stop by a branch to apply for a Secured card.

Credit Limit: $500 and up

* APR is Annual Percentage Rate. The ANNUAL PERCENTAGE RATE (APR) is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. The margin for VISA Student, VISA Platinum, VISA Platinum Rewards and VISA Platinum with Cash Rewards cards is based on certain creditworthiness criteria. The APR is subject to change monthly on the first day of the billing cycle to reflect any change in the index. We will use the index value from the first day of the billing cycle month to implement the rate change. Any increase in the APR will result in additional payments of the same amount until what you owe has been repaid. Balance Transfer and Cash Advance Options: We will begin charging interest on Balance Transfers and Cash Advances from the transaction date. Interest rate is based on your current APR for purchases unless cardholder qualifies for introductory rate. No transaction fee for Balance Transfers. Cash Advance Fee waived for transactions made in Web Branch. For Cash Advances made at an ATM or a branch, there is a $2 fee. Application Solicitation Disclosure

1 Balance Transfer Introductory Rate. Introductory APR for Balance Transfers is 2.99% or 3.99% APR and is based on your creditworthiness. Any balances transferred during 60 days from the credit card account open date will be held at the introductory APR for 12 billing cycles. After that, your standard variable APR (8.50% - 18.10%) will be applied to any unpaid promotional balance. Intro rates subject to change at any time. Existing UW Credit Union balances cannot be refinanced. Cardholder is responsible for making payments to the external balance until balance transfer transaction is completed. Not available for Visa Student and Visa Secured cards or credit card upgrades. No rewards points or cash rewards will be given for Balance Transfers. No transaction fee or transfer minimums for Balance Transfers. Interest rate for all other Balance Transfers is based on your current APR for purchases.

2 A cosigner may be necessary if you are under age 21 and your annual income is less than $2,000.