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Platinum Rewards Credit Card

​​​​*APR = Annual Percentage Rate. The U.S. Prime Rate used to determine your APRs for each billing cycle is the highest rate appearing in the Wall Street Journal on the last publication date of the calendar month that ends within that billing cycle. On April 1, 2021, the U.S. Prime Rate was 3.25%. Please see Terms and Conditions for rate, fee, and other cost information. Offer is subject to credit approval. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance to the Credit Card Act of 2009. The listed rate is variable and may change once the account is opened. 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. 
The U.S. Prime Rate used to determine your APRs for each quarter is the highest rate appearing in the Wall Street Journal on the last publication date of the calendar month that ends within the quarter. Please see Terms and Conditions for rate, fee, and other cost information. All terms, incl​uding the APRs and fees, are subject to change at any time, for any reason, in accordance with the Credit Card Agreement and applicable law.​
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1A replacement card fee may apply​
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All loans are subject to credit review and approval. Annual​ Percentage Rates (APRs) are accurate as of 4/1/2021 and may change at any time. The APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards credit card will vary from 9.25% APR to 17.25% APR, depending upon your creditworthiness. 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 3.25%. The rate for the Platinum Rewards credit card may increase or decrease monthly, but it will never go below 6.00% APR and will never exceed 18.00% APR. 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 up to $25.00. There is a Late Payment Fee of up to $20 if your payment is five or more days late. Credit card applicants under 21 must demonstrate an ability to repay or have a qualified co-signer who is 21 or older. Please refer to https://www.wpcu.coop/personal/credit-cards​ or contact a Member Center partner for rate, fee and other cost information related to our credit card products.​