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closeup of two wine glasses toasting. wcu card and 3x bonus points overlayed on top.

Go back for thirds. Earn 3x rewards points on dining and more.

Rack up 3x bonus points on dining, chocolates and flowers when you use rewards.

Enjoy 3x bonus points to your heart's content when you use your Westerra rewards card on dining, chocolate and flowers until March 31.

3X Bonus Points

on flowers, dining and chocolates

Fuel Rewards

Save at the pump

100s of items

to redeem points on

Less math. More rewards.

3x the Bonus Points on your rewards card until March 31.

Everyday Points Earned vs. Promotional 3X Rewards


Everyday Points Earned

Promotional 3X Rewards

Consumer and Business Visa Debit

1 point/$3 in spend

3 points/$3 in spend

Visa Platinum Credit Card

1 point/$1 in spend

3 points/$1 in spend

Visa Signature Credit Card

1.25 points/$1 in spend

3.75 points/$1 in spend

Visa Business Rewards

2 points/$1 in spend

6 points/$1 in spend

*PIN-based transactions do not qualify


Redeem rewards points for cash, gift cards, travel, gas and more.

First time using rewards? Register here using your name as it appears on your Westerra account and the last six digits of either your Westerra Signature or Business Rewards credit or debit card. 

Points are only as good as how you use them. Learn how to maximize your points to get exactly what you want.

Cards With Benefits

Set Custom Alerts

We’ll let you know when you’ve reached a savings goal, or a low balance heads-up. 
Contact us to learn more.

Send notifications of transactions through the CardNav app

You can even turn your card off and on with just a tap. Visit our FAQs page to know more. Adding your Westerra card to your digital wallet is easy. Set up Apple PayTM, GooglePayTM, or Samsung Pay®

Going on vacation?
Lucky you.

Message us through Digital Banking or give us a call at 303-321-4209 and we’ll help you avoid any potential fraud alert service interruption.

Debit card users

The Westerra app makes it easy to keep an eye on your spending. We’ve got 30,000 free ATMs nationwide. Did we mention free? Find the nearest one.

Woman at counter handing her card to a cashier

Everyday Money (and earning)

Our Spend Accounts help you spend and earn with a Westerra Visa® debit card that offers a selection of rewards for you to choose, and is a Bank On Certified account by the national Cities for Financial Empowerment Fund, which ensures low cost, high functionality & consumer safety.

Black Visa card illustration on red background with white stripes

Give your wallet some credit

Pay for daily transactions and bills with a credit card — then pay it off each month. That way, you can earn reward points for cash back and more. It's secure and helps you build that all-important credit score.

Customer using their phone to pay in a store

Overdrafts happen

WeGotYa covered with courtesy pay.

Sign up for WeGotYa and add an extra layer of protection to your spending/checking account with Courtesy Pay.

Learn More

Effective Date: This disclosure is in effect from February 1, 2024 through March 31, 2024. Please contact 1-303-321-4209 with any questions.Westerra Reward Points Offer: Earn 3X the rewards for flowers, chocolate and dining purchases during the above mentioned date range. Points are tracked for this campaign through qualifying Merchant Category Codes associated with flowers, chocolate and dining. Reward points will be added to your account within 45-60 days after the promotional period. To be eligible for points, your account must be in good standing at the time of fulfillment. Points will expire three years after date of issuance. Full program details can be found at are defined as any transaction paid with a card or card credentials to a merchant by a card holder for goods or services either by Point of Sale (POS) or online (CNP). Some exclusions may apply.Reward Programs are services provided by Westerra Credit Union and managed by AmpliFi Loyalty Solutions, LLC and are subject to change. You must have an Internet-enabled device and Internet access to access the program website. Message and data charges may apply. Westerra Credit Union is not responsible for products or services offered by other companies. The value of the rewards may be taxable to you. Please consult with your tax advisor concerning tax implications.Visa is a registered trademark of Visa International Service Association.