Westmark Credit Union credit cardChecked Oct 10, 2026Updated Oct 9, 2026Our illustration, not the card’s design

Westmark CU Visa Rewards

No annual fee. Purchase APR 16.24–20.24%, variable.

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.
Checked Oct 10, 2026The CFPB survey Report a problem
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.
Checked Oct 10, 2026The CFPB survey Report a problem
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.
Checked Oct 10, 2026The CFPB survey Report a problem

We don’t earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
Spending	First year	After
Light spender	$0	$0
Typical spender	$0	$0
Heavy spender	$0	$0

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

Assumed: not counted: 1.5x Summit relationship tier: all eligible purchases; not counted: 1x Horizon relationship tier: all eligible purchases; not counted: 2x Pinnacle relationship tier: all eligible purchases.

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

How it compares

No annual fee, like about 85% of the 623 cards we track.
Lower top APR than about 70% of the 579 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Before you apply

What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

How you earn · Cobalt Rewards

1%Horizon relationship tier: all eligible purchases
1.5%Summit relationship tier: all eligible purchases
2%Pinnacle relationship tier: all eligible purchases

Rates and fees

Rates and fees for the Visa Rewards, each with its source
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. Checked Oct 10, 2026The CFPB survey Report a problem
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. Checked Oct 10, 2026The CFPB survey Report a problem variable
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. Checked Oct 10, 2026The CFPB survey Report a problem
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. Checked Oct 10, 2026The CFPB survey Report a problem
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. Checked Oct 10, 2026The CFPB survey Report a problem

Carrying a balance? See how long it takes to pay off

Benefits

Cash back is automatically deposited to the member's Primary Savings account in July and December.
No annual fee.
No cash advance fees.
25-day grace period on purchases.
Zero liability for unauthorized transactions.
Identity theft monitoring and resolution services.
24/7 roadside assistance for flat tires, lockouts, towing, and more.
Online and mobile banking tools for card management.
Mobile wallet support for Apple Pay, Google Pay, and Samsung Pay.

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?: Yes: 1%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?: 16.24–20.24% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026

Other cash back cards with no annual fee

Citizens Summit World MastercardCitizens · No annual fee+$610 a year
Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$600 a year
Credit One Bank Omni RewardsCredit One · No annual fee+$600 a year

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).