Purchase APR
17.24–18%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $517.20
← Back to explorer
65
Purchase APR
14.24–21.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
17.24%
≤619
21.24%
620–719
17.24%
720+
14.24%
Lowest offered14.24%
Median17.24%
Highest offered21.24%
Cash advance APR
No score
17.24%
≤619
21.24%
620–719
17.24%
720+
14.24%
Lowest offered14.24%
Median—
Highest offered21.24%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Additional fees
NSF/Returned Check Fee$5
Returned mail fee$5
Late fee policy: Late fees are 5% of the minimum payment up to a maximum of $25
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Cardholder can purchase gift cards, merchandise, experiences, and make donations to charities and pay with points at select merchants.
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone800-525-8703
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 17.24%$517.20
Annual / periodic fees$0
Total yearly cost$517.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
6 documents filed by Whatcom Educational Credit Union in the 2026 Q1 archive.
- Classic and Platinum Visa Credit Card Agreement69 KB
- Edge_Traditional Visa Application & Agreement 02.2026721 KB
- First-Step-Card-Application-Agreement171 KB
- Hive_Signature Visa Application & Agreement 02.2026804 KB
- Launch_Traditional Reward Visa Application & Agreement 02.2026730 KB
- Lux_Signature Visa Application & Agreement 02.2026806 KB
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Foreign fee
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