The WSECU Cash Back Signature credit card turns every purchase into a reward opportunity. With it, you automatically earn up to 1.5% cashback and don’t have to worry about an annual fee.
In addition to cashback, the card provides exclusive Visa Signature perks, such as purchase protection against theft or damage, travel assistance, and access to special offers. Its metal design adds sophistication to the experience.
Want to know how to make the most of this card? Keep reading to discover all the benefits offered, fees and charges, credit limit, how to apply today, and much more!
Meet the Issuer
The WSECU Cash Back Signature is issued by the Washington State Employees Credit Union (WSECU), a nonprofit credit union founded in 1957. Headquartered in Olympia, Washington, WSECU is the second-largest credit union in the state.
WSECU’s mission is to promote the financial well-being of its members through innovative products and personalized services. The credit union offers a wide range of financial services, including checking and savings accounts, loans, and more.
WSECU members enjoy exclusive benefits such as competitive rates, no annual fees on many products, and an ongoing commitment to financial education.
Main Benefits of the Card
Cashback on all purchases: With the WSECU Cash Back Signature, you earn 1% cashback on all purchases made with the card. Additionally, there’s an opportunity to increase this cashback to 1.5% if you pay your bill on time.
No annual fee: One of the biggest attractions of this card is the absence of an annual fee, meaning you won’t have to pay any fixed cost to keep the card active. This makes it an excellent option for those looking to save money.
Visa Signature benefits: As a Visa Signature card, the WSECU Cash Back Signature offers a range of exclusive benefits like purchase protection, access to promotions and special discounts, as well as travel assistance and 24-hour customer service.
Sophisticated design: The WSECU Cash Back Signature features a modern and elegant design, made of metal, which gives it a touch of sophistication and exclusivity.
Advanced security: Security is a priority with the WSECU Cash Back Signature, offering real-time transaction monitoring, fraud protection, and instant alerts for any suspicious activity.
WSECU Cash Back Signature Credit Card: Fees and Commissions
The WSECU Cash Back Signature has no annual fee and no balance transfer fee. However, it includes the “Skip-a-Pay” option, allowing you to defer a payment for a $15.00 fee, plus accrued interest during the deferral period.
These conditions make the card an accessible and flexible option for those seeking benefits without additional costs.
It’s important to note that fees and charges may be updated by WSECU, so to check the current terms, visit the institution’s official website.
Card Limit
The credit limit of the WSECU Cash Back Signature ranges from $5,000 to $30,000, depending on the applicant’s credit analysis. This limit offers flexibility for making purchases of various amounts.
Remember that the credit limit can be adjusted based on your financial history and relationship with the credit union.
Positive points
- Cashback on all purchases:A practical way to save while you spend.
- No annual fees:Benefits with no additional costs.
- Sophisticated design:A card that reflects your style and elegance.
Negative points
- $15.00 fee for “Skip-a-Pay”:Additional cost if you choose to defer a payment.
- High interest rate:APR ranges from 17.00% to 28.50%, depending on the customer’s profile.
- Credit limit subject to analysis:The approved amount may vary according to your credit evaluation.
How to Apply for WSECU Cash Back Signature Credit Card
- Visit the official website of the Washington State Employees Credit Union (WSECU).
- Log in to your account or create a new one if you haven’t registered yet.
- Navigate to the credit cards section and select the WSECU Cash Back Signature.
- Fill out the application form with your personal and financial information.
- Submit the application and wait for the credit review and approval.
- After approval, your card will be sent to your registered address.
- You’ll receive a confirmation email and instructions to activate your card once it arrives.
How to Contact WSECU
If you need assistance or have questions about your card, WSECU offers several support channels to make communication easier.
- Phone: Call 800 562 0999
- Online Chat: Speak with a live representative through the online chat available on WSECU’s website.
If you’re ready to enjoy all the benefits of the WSECU Cash Back Signature credit card, don’t wait! Apply today and start earning cashback on all your purchases.
