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Wright-Patt Credit Union's Credit Card Options

There are many available credit card options, which may make it difficult to find the right one for your needs. Whether you need a credit card with low interest rates and no annual fees or fees on cash advances and balance transfers, low foreign transaction fees for travel, or you are looking to earn rewards on your everyday purchases, you can find the right card at one of the best credit unions in Ohio. Wright-Patt Credit Union® (WPCU®) credit cards include first time user cards, low-rate cards and rewards cards. With options available for a variety of credit scores, we’re here to make life a little easier, no matter your financial situation. Become a member today and explore Wright-Patt Credit Union's credit card options. We make it easy every step of the way — from opening your account to managing it with mobile or online banking.

Not sure which credit card is right for you? Click here to learn more about our smart credit card options.

  • Platinum Low Rate Visa Credit Card

    Don’t pay a penny more than you have to with a Wright-Patt Credit Union's Visa Platinum Low Rate credit card. Take advantage of no annual fee and, no fees on balance transfers or cash advances.

    Learn More

  • Platinum Rewards Visa Credit Card

    The card that gives you cash back. Receive 1.5% cash back on every qualifying purchase you make – with no spending categories or ceilings. Plus, no annual fee and no fees on balance transfers or cash advances.

    Learn More

  • First Time User Low Rate Credit Card

    At Wright-Patt Credit Union, we help you achieve your financial goals at every stage of your life. College students and first-time borrowers looking to establish their credit scores, this card is just right for you.

    Learn More

Platinum Low Rate Credit Card

Platinum Rewards Credit Card

First Time User Credit Card
Variable Rate

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No Annual Fee

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No Balance Transfer Fee

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Zero-Liability Protection

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Variable Credit Limit

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Platinum Visa Card Benefits Included

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Earn Cash Back

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WSU Alumni Option Available

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WPCU Checking Account Required

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Platinum Low Rate Credit Card

Variable Rate

Green Check Mark

No Annual Fee

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No Balance Transfer Fee

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Zero-Liability Protection

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Variable Credit Limit

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Platinum Visa Card Benefits Included

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Earn Cash Back

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WSU Alumni Option Available

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WPCU Checking Account Required

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Platinum Rewards Credit Card

Variable Rate

Green Check Mark

No Annual Fee

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No Balance Transfer Fee

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Zero-Liability Protection

Green Check Mark

Variable Credit Limit

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Platinum Visa Card Benefits Included

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Earn Cash Back

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WSU Alumni Option Available

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WPCU Checking Account Required

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First Time User Credit Card

Variable Rate

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No Annual Fee

Green Check Mark

No Balance Transfer Fee

Green Check Mark

Zero-Liability Protection

Green Check Mark

Variable Credit Limit

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Platinum Visa Card Benefits Included

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Earn Cash Back

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WSU Alumni Option Available

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WPCU Checking Account Required

Green Check Mark

Description APR
Credit Cards

Description

Platinum Low Rate

APR

10.25% - 18.25%

Description

Platinum Rewards

APR

13.25% - 21.25%

Description

Wright State Alumni Platinum Low Rate

APR

10.25% - 18.25%

Description

Wright State Alumni Rewards

APR

13.25% - 21.25%

Description

First Time User

APR

17.99%

Description

Share Secured

APR

14.50%

  • If your WPCU credit card or business credit card is lost or stolen, please call (937) 912-7000 or (800) 762-0047 immediately.

  • We recommend that you review your account statement carefully each month for any suspicious account activity. If you suspect fraudulent activity on your credit card account, call us immediately at (937) 912-7000 or (800) 762-0047.

  • No - as a member of Wright-Patt Credit Union, you are covered under Visa's Zero Liability Policy for fraudulent charges on your credit and debit cards. However, to help alleviate or minimize any inconvenience to you, please monitor your checking and credit card accounts closely, and report any suspicious activity to Wright-Patt Credit Union immediately by calling (937) 912-7000 or (800) 762-0047.

  • If your payment is more than 5 days late, a $20 Late Payment Fee will be assessed.

  • We will not charge you interest on purchases if you pay the entire balance owed each month within 27 days of the statement closing date. Interest will be charged on cash advances and balance transfers beginning on the transaction date.

  • Yes, a business is eligible to have WPCU loan or deposit account, as long as they meet the eligibility requirements for membership. We offer accounts to both small businesses and large businesses, with perks like extraordinary and personalized service.

  • You can use your employer identification number (EIN) to apply for a WPCU business credit card. You will also have to provide your social security number.

  • My Credit Score

    Stay on top of your credit with My Credit Score, available through WPCU's Mobile and Online Banking. Get instant access to your credit score, credit report, and more!

  • Financial Calculators

    Use our financial calculators to estimate monthly payments, refinance needs, estimated savings and more.

  • Tap to Pay Icon - Square

    Mobile Wallet

    Adding your WPCU debit and credit cards to a digital wallet gives you a fast, safe and easy way to pay. Learn more about setting up your Mobile Wallet.

  • Helpful Videos

    View our short, helpful videos that cover a host of Wright-Patt Credit Union's products and services to help you learn more.

  • Easy Access to Your Money

    We’re where you are with convenient Member Centers and shared branches nationwide. Find the easiest location for you.

  • Brochures/Documents

    Learn more about the products, services and resources available from Wright-Patt Credit Union that can help you on your Financial Flexibility and Freedom® journey.

Cardholder Resources

As a member and credit card holder from one of the most trusted credit unions in Ohio, you have access to a variety of valuable resources to assist you in managing your account and getting the most out of your card. These resources include secure mobile and online banking account access where you can view statements, make payments, check balances and transaction history, set up alerts, and more - anytime, anywhere.

Our credit union also offers checking accounts, which offer convenient services like direct deposit for hassle-free and timely deposits, fraud detection technology, and real-time account monitoring to help protect your account.

Financial planning tools like customized spending analysis, budgeting calculators, and financial tips tailored to your unique goals and needs are available to Wright-Patt Credit Union members and cardholders.

Our educational resources like our online articles, videos, and live webinars empower you to take control of your finances, avoid unnecessary fees, maximize rewards, and get the most value from your Wright-Patt Credit Union credit card.

With personalized support, robust security, convenient access, and helpful financial guidance, our credit union ensures our members and cardholders have the resources they need to manage their account easily and get the most benefit from their card.

 

The Wright-Patt Credit Union Difference

At Wright-Patt Credit Union, we’re focused on serving our members and helping you live the life you want to live by helping you reach financial flexibility and freedom. When it comes to credit cards, we offer benefits including low interest rates, no annual fees, no fees on balance transfers, low foreign transaction fees, and excellent service. As a credit union, we take our revenue and give back to our members through better rates, higher dividends and lower fees. As one of the best credit unions in the area, we’re here to help our members. Open a Wright-Patt Credit Union credit card, savings account or other account today.