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Visa Rewards

Westmark Credit Union

One State/TerritoryVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
16.24–20.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
27 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
20.24%
620–719
18.24%
720+
16.24%
Lowest offered16.24%
Median18.24%
Highest offered20.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered17.99%
Median17.99%
Highest offered17.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$20

Late fee policy: If your payment is more than 10 days late, we may charge you a fee of 5% of your payment amount or $15, whichever is greater.

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Debt cancellation coverage
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Dreampoints Rewards

Who can get this card

AvailabilityOne State/Territory
StatesID
Membership requirementsOpen to the public
Phone800-574-5626
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 18.24%$547.20
Annual / periodic fees$0
Total yearly cost$547.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 27-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Westmark Credit Union in the 2026 Q1 archive.

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