Visa Credit Cards

When you have a WesternBank Visa Credit Card, you turn everyday purchases into opportunities to earn valuable rewards just for using your card.  Not only will you enjoy an industry-low interest rate on purchases, your purchases earn ScoreCard® bonus points redeemable for merchandise, travel, and more. 

Account Highlights

  • No balance transfer fees

  • Fixed interest rates

  • No annual fees on certain accounts

  • Earn scorecard reward points

  • View your statement online

  • Pay your bill at a WesternBank branch, online, or by mail

  • Your safety is guaranteed with 100% fraud protection

Click here to apply for a WesternBank Visa Credit Card. 

Call 24/7 to report a lost or stolen Credit Card: 1-800-423-7503

Interest Rates, Interest Charges & Fees

Comparison Between Cards

Interest Rates and charges for
Item Platinum Visa Advantage Visa Classic Visa
Annual Percentage Rate (APR) for Purchases 11.90% APR* 15.90% APR* 18.00% APR*
APR for Balance Transfers 11.90% APR* 15.90% APR* 18.00% APR*
APR for Cash Advances 11.99% APR* 17.99% APR* 18.00% APR*
Annual Fee None None $25

Items that apply to all cards

Charges for all cards
Item All Cards
Penalty APR and When it Applies 18.00% APR* will apply if you:
  1. Make a late payment;
  2. Make a payment that is returned;
  3. Go over your credit limit twice in a six-month period
  4. Do any of the above on another account that you have with us.
How Long Will the Penalty Rate Apply If your APR is increased for any of the reasons above, we may keep them at the higher rate indefinitely.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore.
Transaction Fees
  • Balance Transfers
  • Cash Advance
  • Foreign Transaction
 No balance transfer fees. $5 or 3% of the amount of the Cash Advance, whichever is greater. 2% of each foreign transaction in U.S. Dollars.
Penalty Fees
  • Late Payment
  • Returned Payment
  • Over Credit Limit
 $35 for a late payment. $35 for a returned check. $35 if you are over your credit limit at any time.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Scorecard rewards are earned as you make qualified purchases with your WesternBank Credit Card. Scorecard rewards expire and are subject to change at our discretion. Please see a banker for details.

*WesternBank Credit Card rates are fixed rates. However, rates are subject to change at our discretion. Your rate is based on our assessment of your credit history and credit worthiness.