Search Locations
Search Site
Save BetterBorrow SmarterLearn A Lot!

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.

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**
  •     17.99% 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
  •     Contact the Visa Dispute line at (800) 600-5249
  •     View Rates and Disclosures
*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.

Keep more of your hard-earned money. Check out our other websites:

Respect Your Money - Young Today, Money Smart TomorrowFraud Awareness - Protect Yourself From FraudWright 4 You Mortgage - A Perfect Fit

Any links to external websites are links to alternative sites not operated by WPCU. WPCU is not responsible for the content of the alternate site. The privacy and security policies of the alternate site may differ from those practiced by WPCU. WPCU does not represent you or the third party if you enter into a transaction with the third party.

Wright-Patt Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 762-0047 or by clicking here. All products and services available on this website are available at all Wright-Patt Credit Union branches.

View the WPCU Privacy Policy

WPCU on FacebookWPCU on TwitterWPCU on YouTubeWPCU on LinkedIn
Equal Housing HousingFederally insured by NCUA