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First Time User Low Rate Credit Card | Wright-Patt Credit Union

A low rate and no annual fee — a great way to establish and manage credit for first time borrowers.

First Time User Low Rate Credit Card

Establishing a good credit history and learning how to use credit responsibly is a smart move for young adults. Our First Time User Credit Card helps college students and first time borrowers* do just that.

  • Initial $500 credit limit, without a co-signer**
  • 11.9% Fixed APR***
  • No annual fee
  • No cash advance fee
  • After one year of on-time payments, you can apply for a credit limit increase to $1,000

*To be eligible, you must be a college student enrolled in at least 2 classes per quarter with no established credit history, or be employed with proof of income and no established credit history. Applicants must also open a WPCU checking account to be eligible for the First Time User credit card.

**In accordance with the Credit Card Act of 2009, borrowers applying for a credit card under the age of 21 must either show proof of "ability to pay" or have a qualified cosigner over 21 years of age.

***APR = Annual Percentage Rate.