Platinum Rewards Visa® Credit Card

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1.5% Cash Back on Every Qualifying Purchase

Our Wright-Patt Credit Union® (WPCU®) Platinum Rewards Visa® Credit Card can help you keep more money in your pocket! With this card, you can earn a rewards rate of 1.5% cash back on every qualifying purchase you make, with no spending categories or ceilings. From groceries to travel to everything else, rewards are yours! Start earning rewards, and earning them quickly, with our rewards credit card. With no annual fees, this card is great for anyone looking for a quality credit union credit card that is convenient and easy to utilize.

From November 1 – December 31, 2025, earn double points on every purchase made with your WPCU Platinum Rewards Visa credit card. Whether you're shopping for loved ones or treating yourself, every swipe, tap, or click earns you double points — that's 3% cash back!

This card is also available as a Wright State Alumni Association (WSUAA) Affinity Platinum Rewards Visa credit card. When you use the official Wright State Alumni credit card, Wright-Patt Credit Union contributes to the Alumni Association to fund scholarships and alumni programs.

  • 1.5% cash back on all qualifying purchases you make
  • No annual fees
  • No balance transfer fees
  • No cash advance fees
  • Receive a Platinum Visa® card
  • 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
  • Easily file a dispute by calling (800) 762-0047

With Lifestyle Rewards, it's easier than ever to access and redeem the points you've earned with your Platinum Rewards Visa credit card for everything from gas to groceries to travel and more!

Redeem your points for cash back, gift cards, merchandise, travel, and more! Learn more about Lifestyle Rewards by clicking on the FAQ section below or in this brochure.

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

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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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

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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

—

Platinum Visa Card Benefits Included

—

Earn Cash Back

—

WSU Alumni Option Available

—

WPCU Checking Account Required

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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%

  • Wright-Patt Credit Union Lifestyle Rewards is a program that offers points for qualifying purchases made with your Wright-Patt Credit Union Platinum Rewards credit card. Points may be redeemed for everything from gas to groceries to travel and more (login to your rewards account to see all redemption options) or gifted to another rewards member.

    Cash back can be redeemed to your Wright-Patt Credit Union checking or savings accounts.

  • All Wright-Patt Credit Union Platinum Rewards credit cards are automatically enrolled in the Platinum Rewards program and can earn points with qualifying purchases.

  • Your Platinum Rewards credit card accrues one and a half (1.5) points for every $1.00 in qualifying net purchases.

  • A qualifying transaction means every eligible transaction that is charged to your eligible Rewards Credit Card(s) covered by the Rewards Program. No points are earned for finance charges, fees, cash advances, ATM withdrawals, foreign transaction currency conversion charges, or insurance charges posted to your account.

  • Points earned on all qualifying cards issued under the same account number are automatically combined for you.

  • You can check your points by logging into Mobile or Online Banking or by calling (800) 762-0047 or (937) 912-7000. Look for the link called Credit Card Rewards under Cards Center. When you click on "Credit Card Rewards" it will take you to the rewards website where you can view and redeem your points.

  • The minimum point requirement to redeem for cash back is 2,500 points which is $25.00.

    All other minimum points requirements vary by redemption option chosen.

  • Points, once earned, are valid for up to thirty-six (36) months, and expire on the last day of the month, thirty-six (36) months after the date of issuance. Points are tracked and redeemable on a first-in, first-out basis.

  • Your Wright-Patt Credit Union Rewards points are connected to your Wright-Patt Credit Union Platinum Rewards account number, not your card number. This means previously earned points are never lost, nor do they need to be transferred – even if your card is blocked, lost or stolen.

  • For questions or help with your Wright-Patt Credit Union Rewards account, click here to contact us.

    See complete Wright-Patt Credit Union Rewards Terms and Conditions for more details.

View All FAQs

  • Financial Calculators

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

  • 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.