Launch Visa
5,000 Rewards points welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagewecu.com
“onetime award of 5,000 rewards points (equivalent to $50) will be credited to your Rewards Account.”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $230 | $180 |
| Typical spender | $500 | $450 |
| Heavy spender | $1,040 | $990 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 85% of the 128 cards on our Sign-up bonuses list (see the list).
- Worth more to a typical spender than about 85% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
5,000 points
A one-time award of 5,000 rewards points, equivalent to $50, is credited when an eligible Credit Builder Account automatically converts to a Launch Account after twelve consecutive months of on-time payments.
How you earn · WECU Rewards Program
- 1.5%Everything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Earn 1.5% back on all purchases.
- No foreign transaction fee.
- 24/7 Roadside Dispatch referral network providing emergency roadside assistance, towing, or locksmith service.
- Emergency cash disbursement and card replacement may be available within one to three business days, and in some cases within 24 hours, after issuer approval.
- Visa Cardholder Inquiry Services provide account information, inquiries, and card-related assistance.
- Visa assists with securing the account and issuing a replacement for lost or stolen cards.
- Travel accident: up to $250,000
- Trip cancellation: up to $2,000
- Trip delay: up to $300 in expenses per person
- Extended warranty: up to one additional year
- Roadside
Questions
- What is the annual fee?
- None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 14.24–21.24% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 5,000 Rewards points. wecu.com, since Oct 2, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$260 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$200 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$175 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).