VISA Credit Cards

With a Waterfront Classic VISA you can expect:

  • Same low, fixed rate of 9.90% APR for EVERYONE!
  • Same fixed rate on purchases, card advances and balance transfers
  • No annual fee
  • No balance transfer fees
  • 25-Day grace period on purchases
  • 24-Hour toll-free customer service
  • Credit limit up to $25,000
  • Global acceptance at over 19 million merchants worldwide

All the Ways to Apply

For the Balance Transfer Offer:

To see if we can increase your current Waterfront Credit Card limit

To open a new Waterfront Credit Card

Apply Today      View Rates

Effective March 17, 2018**

Application and Solicitation Disclosure
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90%
APR for Balance Transfers 9.90%
APR for Cash Advances 9.90%
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
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

Click here for our VISA Credit Card Disclosure document.

* Waterfront Credit Union does not charge a balance transfer fee. Please allow 2-3 weeks to process your balance transfer. Continue to make your payment on these accounts until the payment for the transferred amount appears on your issuers statement. Waterfront Credit Union is not responsible for late payments on your other issuers account. We are not able to close your other accounts even if you transfer the entire balance. If you want to close your account, you will need to contact the issuer directly. Balances can only be transferred up to your established limit.

**Contact us for any changes that may have occurred since the effective date above at 800.423.1071.