Credit Cards
Whether you’re trying to build your credit or just lower your interest rates, Wright-Patt’s got you covered.
First Time User Credit Card Establishing a good credit history and learning how to use credit responsibly is a smart move for you. Our First Time User Credit Card helps college students and first time borrowers* do just that. - Initial $500 credit limit, without a co-signer**
- 11.9% APR***
- No annual fee
- No cash advance fee
- After one year of on-time payments, you can apply for a credit limit increase to $1,000
| Platinum Low Rate Credit Card Don’t pay more than you have to on your credit card. Our Platinum Low Rate credit card is the smart way to keep more of your hard earned money. - Rates as low as Variable Prime^, plus 3%+
- No annual fees
- No balance transfer fees
- No cash advance fees
- Choose from Platinum Visa® or MasterCard®
- Protection of MasterCard® SecureCode™ and Verified by Visa
- Auto rental insurance
- No-cost travel accident insurance
- Access to cash at over 300,000 financial institutions worldwide
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*To be eligible, you must be a college student enrolled in at least 2 classes per quarter with no established credit history, or be employed with proof of
income and no established credit history. Applicants must also open a WPCU checking account to be eligible for the First Time User credit card.
**In accordance with the Credit Card Act of 2009, 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.
***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.