Skip to main content

Double Rewards Points

​*Bonus points will post 30 days after the end of the promotion. Earn double points on eligible purchases made between 11/1/2025 through 12/31/2025. Any transactions that are not specifically categorized under one of specified promotion codes will not be eligible and will earn the normal 1.5% rewards per your program’s terms and conditions. Cash advances and balance transfers are not included in this promotion.

​​ ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​⁸Low Rate Platinum and Wright State University Alumni Association (WSUAA) Low Rate Platinum: The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 7.25%. The APR for Purchases, Balance Transfers and Cash Advances for the Low Rate Platinum and WSUAA Low Rate Platinum credit cards will vary from Prime Rate + 3.00% (currently 10.25% APR) to Prime Rate + 11.00% (currently 18.25% APR), depending upon your creditworthiness. The rate may increase or decrease quarterly, but it will never exceed 25.00% APR. Platinum Rewards and WSUAA Rewards: The APR is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 7.25%. The APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards and WSUAA Rewards credit cards will vary from Prime Rate + 6.00% (currently 13.25% APR) to Prime + 14.00% (currently 21.25% APR), depending upon your creditworthiness. The rate may increase or decrease quarterly, but it will never exceed 25.00% APR. Earn unlimited 1.5% cash back on every qualifying purchase; you will earn 1.5 points for every $1.00 spent. Cash advances and balance transfers are not eligible for the 1.5% cash back rewards. First Time User: The APR for Purchases, Balance Transfers and Cash Advances for the First Time User credit card is 17.99% APR and is a fixed rate for the duration of the loan. Applicants must have an open WPCU checking account, be employed with proof of income and no established credit history, or for a college student you must be enrolled in at least 2 classes per quarter with no established credit history. All applicants must show proof of their ability to repay or if under 21 have a qualified cosigner over the age of 21 and have documented gross income of at least $900.00 per month.​ Share-Secured: The APR for Purchases, Balance Transfers and Cash Advances for a Share-Secured credit card is 14.50% APR and is a fixed rate for the duration of the loan. To secure the amount of credit extended for the Shared-Secured credit card, funds will be held in the borrower’s TrueSaver® share account and unavailable for withdrawal until the account is closed. For All Credit Cards: All loans are subject to credit review and approval. APRs are accurate as of 11/01/2025​ and may change at any time. There is a Foreign Transaction Fee of 1.00% of the final settlement amount for transactions that are initiated in a foreign currency or for transactions occurring in foreign countries and initiated in U.S. Dollars. There is a Returned Payment Fee of the lesser amount of $10 for any payment returned unpaid or the minimum payment amount due for the returned payment. If your payment is more than five days late there is a Late Payment Fee of $20. Credit card applicants under 21 must demonstrate an ability to repay or have a qualified co-borrower or co-signer who is 21 or older​. Click here for Credit Card Rates, Fees and Other Cost Information​ related to our credit card products.​

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​¹³​All loans are subject to credit review and approval. The Annual Percentage Rate (APR) is variable and may change at any time. The APRs are accurate as of 11/01/2025 and are based upon your creditworthiness and the index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal.

​
​