Visa Credit Cards

Classic

With a Waterfront Classic Visa you can expect:

  • Same low, FIXED rate of 9.90% APR for EVERYONE!*
  • Same fixed rate on purchases, cash advances and balance transfers
  • NO annual fee, NO balance transfer fee, NO over-limit fee
  • 25-Day grace period on purchases
  • Credit limit up to $25,000
  • Global acceptance at over 19 million merchants worldwide
     

Rewards

With a Waterfront Rewards Visa you can expect:

  • Summer Special ~ 0% APR on ALL purchases now thru 9/2!1 Rates as low as 11.90% APR*
  • Same FIXED rate on purchases, cash advances and balance transfers
  • NO annual fee, NO balance transfer fee, NO over-limit fee
  • 25-Day grace period on purchases
  • Earn rewards points to use towards travel, experiences, merchandise and so much more!
  • Global acceptance at over 19 million merchants worldwide
     


For every transaction that you make with your Waterfront Rewards credit card, you will earn rewards points that can be redeemed online for the following:

  • Merchandise ~ electronics, housewares, sporting goods, & more
  • Travel ~ airfare, hotels, rental cars, cruises, etc.
  • Experiences ~ theme park, sports, & other entertainment tickets

You will earn 1 point for every $1 spent & your points will last for 3 years.

Browse Rewards

Click here for Waterfront Rewards Program Terms & Conditions
 

HOW TO APPLY

Need a credit limit increase?

To open a new Waterfront Credit Card:

Apply Today      View Rates

 

Effective April 1, 2020*

Application and Solicitation Disclosure
Interest Rates & Interest Charges Classic Rewards
Annual Percentage Rate (APR) for Purchases 9.90% 0% as low as 11.90%
Summer Special ~ now thru 9/2!1
APR for Balance Transfers 9.90% as low as 11.90%
APR for Cash Advances 9.90% as low as 11.90%
Penalty APR and When It Applies None
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 None
How will we calculate Your Balance We use a method called "average daily balance (including new purchases)."
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
Fees
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee 2.00% of the amount of each cash advance
Foreign Transaction Fee 2.00% of each transaction in U.S. dollars
Transaction Fee for Purchases None
Penalty Fees
Late Payment Fee Up to $25.00
Returned Payment Fee Up to $25.00
Over Limit Fee None

1Rewards Card Summer Special: APR=Annual Percentage Rate. 0% APR offer valid on transactions in the purchase category made with a Waterfront Rewards Visa Credit Card from June 3, 2022 through September 2, 2022, with promotional rate on purchases good through August 2022 statement period. Offer available to new and existing cardholders. Interest will continue to incur in the cash advance and balance transfer categories, if applicable. Restrictions may apply. Offer cannot be used to pay off another Waterfront loan or Waterfront Visa Credit Card. Contact the Credit Union for full details.

*On approved credit. Some restrictions may apply. Contact us for any changes that may have occurred since the effective date above at 800.423.1071. Click here for our VISA Credit Card Disclosure document.


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