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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
  • Pay your bill at any branch or online with Its Me 247
  • 10 day grace period
  • Low monthly payment (3% of balance due)
  • ATM accessibility
  • Control your card in our Mobile App
  • Protect your family against the unexpected with our Simply Secured feature option. To learn more, click here

Important: Visa Fraud Alert texts »


Lost/Stolen Card: If your Visa is lost or stolen, please call 833-933-1681


Save money with ultra low rates by switching to our NEW Better Rate Credit Card. Earn 1% cash back on everyday purchases using our NEW Better Reward Credit Card.

Better Rate Credit Card

Better Rate Credit Card

Features of Better Rate:

  • Rates as low as 11.00% APR*
  • $0 Annual Fee
Better Rewards Credit Card

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.


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!

  1. Check your card eligibility
  2. Create your account
  3. 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


Working together as the most trusted resource to help our members' financial lives be simply better.