Credit Cards
We offer Visa Credit Cards to make sure you have access to your funds to fit your busy lifestyle! Which will fit best for you, Better Rate or Better Rewards?
- No annual fees, no transaction fees, no Cash Advance fee
- Contactless, tap-to-pay
- Digital Wallet to make purchases using your phone
- Instant Issue at Grand Rapids, Big Rapids, Coopersville, and more!
- 28-day grace period for purchases
- Low monthly payment (3% of balance due)
- Control your card in our Mobile App
- Local Card Service Experts
- Fee-free Balance Transfer options
- Protect your family against the unexpected with Simply Secured
Important: Visa Fraud Alert texts »
Lost/Stolen Card: If you believe your Visa Credit Card or Debit Card, has been lost or stolen, call us at 1(800) 442-4576 and follow the call tree options.
Save money with ultra low rates by switching to our Better Rate Credit Card. Earn 1% cash back on everyday purchases using our Better Reward Credit Card.
Better Rate Credit Card
Features of Better Rate:
- Rates as low as 11.00% APR*
- $0 Annual Fee
Better Reward Credit Card
Features of Better Reward:
- 1% Cash Rewards (Up to $200 per month**)
- Rates as low as 12.00% APR**
- $0 Annual Fee
*Rates as low as 11.00% APR (Annual Percentage Rate). Credit is subject to approval. Rate is subject to change and may vary based on creditworthiness. Must qualify for membership. **Rates as low as 12.00% APR (Annual Percentage Rate). Credit is subject to approval. Rate subject to change and may vary based on creditworthiness. Must qualify for membership. Participants can earn 1% (.01) cash reward up to $200 per month by using the West Michigan Credit Union Better Reward credit card to make purchases. Cash rewards will be calculated at the end of each billing cycle by multiplying your purchases by 1% (.01). Cash rewards will be credited to your credit card account within your next billing cycle and rounded to the nearest cent. Full terms and conditions will be sent with your Better Reward credit card. You, as the member, are responsible for reading the Better Reward Terms and Conditions. West Michigan Credit Union may amend the terms and conditions at any time without notice.
Establish credit with our RightTrack Credit Card Program.*
Today, having good credit is more important than ever. To make it easy for you to thrive financially, we have a program that helps people with little to no established credit build their credit in a safe and affordable way, with the same features as our Better Rate and Reward credit cards. You'll start with a $500 credit limit. Once you establish a great credit score, even more opportunities await! Take advantage of this unique opportunity today.
Re-establish credit with our Secure Credit Card.
If you have a limited credit history or may not currently qualify for a traditional credit card, a secure credit card could help you re-establish your credit. It offers the same features as our Better Rate Card, with the same low interest rate. It can also make it easier to do certain things, like rent a car.
You will need to deposit funds into a share savings account, which will be held as collateral for the duration of the credit card account. Let us help you get the credit you deserve. Apply for your secure credit card today.
VISA Purchase Alerts
A free Service for all VISA cardholders (with VISA credit, debit, or reloadable prepaid cards such as our travel cards). You may create an account to receive purchase alerts directly to your email or by text message. Once you enroll into VISA Purchase Alerts, you will receive alerts for transactions immediately, so you can spot fraudulent activity right away.
Enrollment steps are as easy as 1-2-3!
- Check your card eligibility
- Create your account
- Choose your account settings
You may register up to 10 VISA card numbers. For more information and to create an account, visit Visa.com/PurchaseAlerts
Other products:
Working together as the most trusted resource to help our members' financial lives be simply better.