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Westerra Credit Union

Visa Signature® - Amazing Benefits. Low Rate. No Annual Fee.

We’ve combined the value of Westerra with the travel and entertainment benefits of Visa Signature® to bring you a premier card with amazing benefits, a low rate and no annual fee.  Earn unlimited 1.25 reward points for every $1 you spend on purchases.  Plus, enjoy a one-time bonus of 25,000 reward points when you make purchases of $3,000 or more within the first 3 months!  And these additional benefits:

  • An introductory balance transfer rate of 3.99% fixed APR for 12 months* with no balance transfer fee!  Thereafter, and on all new purchases the variable rate is currently 10.15% - 21.00% APR based on your credit qualification. +

  • No annual fee and no balance transfer fee!

  • Chip technology and CardNav App for added security.

  • Westerra Rewards to redeem points for cash back, travel, merchandise, gift cards and charitable donations.   

  • Exclusive Visa Signature Rewards

  • Lost luggage and ID Theft reimbursement and Auto rental collision damage waiver.*

                                        
  (NEW CARDHOLDERS)                              (EXISTING WESTERRA CARDHOLDERS)
 

Visa Select - The Lowest of the Low Rates. No Annual Fee.

  • An introductory balance transfer rate of 1.99% fixed APR for 12 months* with no balance transfer fee!  Thereafter, and on all new purchases the variable rate is currently 8.15% - 19.15% APR based on your credit qualification.+  

  • No annual fee and no balance transfer fee!

  • Chip technology and CardNav App for added security.

  • Choose a Colorado flag or scenery, or other themed card design issued instantly at any Westerra branch.

  • Visa Global Assistance 24/7 for emergency card replacement, cash disbursement and travel assistance.

                                        
  (NEW CARDHOLDERS)                              (EXISTING WESTERRA CARDHOLDERS)

Signature and Select Credit Card Rates and Terms
Credit Card Payoff Calculator
 

Get an extra layer of security when you shop online!

In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by VISA, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.

Click here to register your Westerra VISA Debit Card
Click here to register your Westerra VISA Credit Card

Some websites may require you to register your card with Verified by VISA prior to making a purchase. When they ask, rest assured that this is another layer of security designed for your protection.

*APR=Annual Percentage Rate.  Introductory balance transfer rate is valid for 12 billing cycles from account origination on balances transferred to a Visa Signature or Visa Select card from other financial institutions.  +Your APR is the prime rate plus a margin of 4.65% - 15.65% for the Visa Select or 6.65% - 17.65% for the Visa Signature based on your credit qualification.  APRs will vary with the market based on the prime rate. Published APR is effective as of 1/1/2016.  Foreign Transaction Fee is .80% for single currency transaction; 1.00% for multiple currency transactions.  Cash Advance Fee 2%. **Certain terms, conditions, and exclusions apply.  In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.