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Apply for a Westerra Visa Signature® Rewards Credit Card and earn rewards on eligible everyday purchases.
Turn eligible everyday purchases into rewards you can redeem for travel, gift cards, merchandise, and more.
Spend $3,000 in the first 90 days and earn 10,000 bonus points.
Enjoy all the benefits of a rewards card without paying an annual fee.
Use our rewards calculator to estimate the value your everyday purchases could generate with a Visa Signature® Rewards Credit Card.
Calculator: This calculator is provided for informational purposes only and generates an estimate of rewards points based on the spend amount entered and the current earning rate of 1.25 points per eligible dollar spent. Actual points earned may vary. Calculations do not account for returns, credits, disputed transactions, chargebacks, adjustments, expired points, bonus point promotions or other account activity that may affect a member's rewards balance. Reward point accrual is based on eligible net purchases. PIN-based transactions, ATM transactions, balance transfers and cash advances are not eligible for reward point accrual. Reward redemption values displayed are estimates based on current reward levels and may change without notice. This calculator is intended as a reference tool only and should not be considered a statement of actual rewards earned, available or redeemable. Members should refer to their credit card statement, online banking account or rewards portal for their official rewards balance and redemption options. Membership required. APR means Annual Percentage Rate. Your APR is based on your credit qualifications and may vary with the market based on the Prime Rate. Published APRs are effective as of July 1, 2026.Foreign transaction fees include 2.00% of the U.S. dollar amount for foreign currency conversion and 0.80% for International Service Assessment (ISA). Cash advances are subject to a 2% cash advance fee. Cards issued by mail typically arrive within 4–7 business days. Applicants must be at least 18 years of age. A minimum 25-day grace period applies to purchases to avoid interest charges. For complete terms and conditions, please review the Credit Card Disclosure. Certain terms, conditions and exclusions apply to rewards and card benefits. To qualify for applicable coverage benefits, eligible purchases or transactions must be made using an eligible Visa card. Please refer to the Guide to Benefits for complete details. Members may earn 10,000 bonus points when they spend $3,000 in eligible net purchases within 90 days of account opening. The account must remain open and in good standing to qualify. For additional information please see the credit card Application and Solicitation Disclosure
You're already paying for groceries.
You're already filling up your gas tank.
You're already dining out, shopping online, and covering everyday expenses.
The question is whether those purchases are working as hard as they could be.
With Visa Signature® Rewards, eligible purchases can help you earn points toward rewards while continuing to spend the way you normally do.
Transfer eligible balances and take advantage of a promotional introductory rate.
Redeem points for gift cards, merchandise, travel, and more.
Enjoy added protections and exclusive cardholder benefits.
Keep more of what you earn without paying an annual fee.
You're already making purchases every day. Now it's time to get rewarded for them. Apply for a Westerra Visa Signature® Rewards Credit Card and start earning 1.25 points for every dollar spent on eligible purchases.
APR = Annual Percentage Rate. Membership required. Credit card approval is subject to creditworthiness and other qualifications. Not all applicants will qualify. Pre-selected offers are based on account and spending characteristics and do not guarantee approval. Rates, terms, and conditions are subject to change without notice.
Foreign Transaction Fees: 2.00% of the U.S. dollar amount for foreign currency conversion and 0.80% for International Service Assessment (ISA). Cash Advance Fee: 2%.
Cards issued by mail typically arrive within 4–7 business days.
Applicants must be at least 18 years of age.
A minimum 25-day grace period applies to purchases to avoid interest charges.
For complete terms and conditions, review the full Westerra Credit Card Disclosure.
Rewards estimates, points calculations, potential rewards earned, cash back earned, rewards comparisons, and calculator results are provided for illustrative purposes only and are based on historical transaction activity or information entered by the user. Calculations assume eligible purchases were made using the applicable Westerra rewards credit card and that all transactions qualified for rewards accrual under the rewards program terms. Actual rewards earned may vary based on spending patterns, merchant category coding, account status, redemption activity, program changes, and other factors. Past spending activity does not guarantee future rewards earnings. Any examples of potential rewards earned should not be construed as a guarantee of future rewards.
**Offer valid for new Visa Signature® Rewards Credit Card accounts only. Earn 10,000 bonus points when you spend $3,000 in eligible net purchases within 90 days of account opening. Bonus points will be awarded after qualification requirements are met and the account remains open and in good standing.
***Eligible balances transferred from another financial institution within the first 12 billing cycles receive a fixed introductory APR of 3.90% with no balance transfer fee. After the introductory period, variable APRs from 13.40%–21.00% apply based on creditworthiness and are subject to change. Terms and conditions apply.