First Time User Low Rate Visa Credit Card

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Wright-Patt Credit Union Helps You Achieve Financial Goals at Every Stage of Your Financial Flexibility and Freedom® Journey

College students and first time borrowers, this card is just right for you. Establishing a good credit history and credit score is a smart move to achieve a brighter financial future. Our Wright-Patt Credit Union® (WPCU®) First Time User Low Rate credit card helps you do just that. With no annual fees, this card is great for anyone looking for quality credit union credit cards that are convenient and easy to utilize. This credit card allows you to make purchases and increase your limit after the first year while building credit. You’ll get:

  • A predictable fixed rate — which is a great way to establish and manage credit
  • Initial $500 credit limit, without a co-signer!
  • A possible credit limit increase to $1,000 after your first year of on-time payments

Benefit Highlights:

  • You have control with a fixed APR
  • No annual fee
  • No cash advance fees
  • Emergency Replacement Card or Cash Disbursement gives cardholders access to get cash and/or a replacement card
  • Zero Liability Program protects you from the unauthorized use of your card and account information.
  • Access to the Visa Dispute line at (800) 762-0047
  • Additional Visa Benefits available:

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

Green Check Mark

No Balance Transfer Fee

Green Check Mark

Zero-Liability Protection

Green Check Mark

Variable Credit Limit

Green Check Mark

Platinum Visa Card Benefits Included

Green Check Mark

Earn Cash Back

—

WSU Alumni Option Available

Green Check Mark

WPCU Checking Account Required

—

Platinum Rewards Credit Card

Variable Rate

Green Check Mark

No Annual Fee

Green Check Mark

No Balance Transfer Fee

Green Check Mark

Zero-Liability Protection

Green Check Mark

Variable Credit Limit

Green Check Mark

Platinum Visa Card Benefits Included

Green Check Mark

Earn Cash Back

Green Check Mark

WSU Alumni Option Available

Green Check Mark

WPCU Checking Account Required

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First Time User Credit Card

Variable Rate

—

No Annual Fee

Green Check Mark

No Balance Transfer Fee

Green Check Mark

Zero-Liability Protection

Green Check Mark

Variable Credit Limit

—

Platinum Visa Card Benefits Included

—

Earn Cash Back

—

WSU Alumni Option Available

—

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 debit card is lost or stolen, please call (800) 762-0047 immediately.

  • We recommend that you review your account statement carefully each month to detect any suspicious account activity. If you suspect fraudulent ATM/Debit Card activity on your 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.

View All FAQs

  • 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.

  • Financial Calculators

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

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  • 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.

  • Helpful Videos

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