0% intro APR for 12 months on purchases & balance transfers Intro ...

Wescom Active Visa Simply a low rate, without the rewards

Apply

Annual Percent Rate (APR) as low as

9.15%*

0% intro APR for 12 months on purchases & balance transfers

After first 12 months, a variable rate of 9.15%-19.15% will apply.

Intro Balance Transfer Fee

$0

Balance Transfer Fee(after intro period)

$2 or 2%, whichever is greater maximum fee $50

Annual Fee

None

Rewards

None

One-Time Cash Back Bonus

None View More

MyRewards Visa Rewards on every purchase

Apply

Annual Percent Rate (APR) as low as

11.15%*

0% intro APR for 6 months on purchases & balance transfers

After the first 6 months, a variable rate of 11.15%-21.15% APR will apply.

Intro Balance Transfer Fee

$0

Balance Transfer Fee(after intro period)

$2 or 2%, whichever is greater maximum fee $50

Annual Fee

None

Rewards

1.5 points per $1 spent

One-Time $100 Cash Back Bonus

Earn 10,000 bonus points (a $100 value) when you spend $2,500 within first 3 months View More

Bruin Edge Visa Rewards that fuel your Bruin pride

Apply

Annual Percent Rate (APR) as low as

13.15%*

0% intro APR for 6 months on purchases & balance transfers

After the first 6 months, a variable rate of 13.15%-23.15% will apply.

Intro Balance Transfer Fee

$0

Balance Transfer Fee(after intro period)

$2 or 2%, whichever is greater maximum fee $50

Annual Fee

None

Rewards

1.5 points per $1 spent 5 points per $1 spent on select UCLA Purchases1

One-Time $500 Cash Back Bonus

Earn 50,000 bonus points (a $500 value) when you spend $2,500 within first 3 months

View More

Bruin Choice Visa Built to help UCLA students start their credit journey with limits up to $1,000

Apply

Annual Percent Rate (APR) as low as

13.15%*

0% intro APR for 6 months on purchases & balance transfers

After the first 6 months, a variable rate of 13.15%-23.15% will apply.

Intro Balance Transfer Fee

$0

Balance Transfer Fee(after intro period)

$2 or 2%, whichever is greater maximum fee $50

Annual Fee

None

Rewards

1.5 points per $1 spent 5 points per $1 spent on select UCLA Purchases2

One-Time $50 Cash Back Bonus

Earn 5,000 bonus points (a $50 value) when you spend $500 within first 3 months View More

*APR=Annual Percentage Rate. Rates are valid as of 07/01/2021 and subject to changes without notice. APR may vary based on credit qualifications. Terms and conditions apply.

TERMS AND CONDITIONS

This Account Opening Table is provided in compliance with the Federal Truth-in-Lending Act. This is not a complete Truth-in-Lending Disclosure, but is incorporated into Wescom Central Credit

Union's Credit Card Agreement and Federal Truth-In-Lending Disclosure. Effective: 07-012021

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances How to Avoid Paying Interest on Purchases

MyRewards Signature/MyRewards/Secured

0.00% Introductory APR for six months from After that, your APR will be 11.15% to 21.

vary with the market based on the Prime Rate Wescom Active

0.00% Introductory APR for 12 months from After that, your APR will be 9.15% to 19.1

with the market based on the Prime Rate. Bruin Edge Signature/Bruin Edge/Bruin Ch

0.00% Introductory APR for six months from After that, your APR will be 13.15% to 23.

vary with the market based on the Prime Rate

MyRewards Signature/MyRewards/Secured 0.00% Introductory APR for six months from a After that, your APR will be 11.15% to 21.15% the market based on the Prime Rate. Wescom Active 0.00% Introductory APR for 12 months from a After that, your APR will be 9.15% to 19.15%, the market based on the Prime Rate. Bruin Edge Signature/Bruin Edge/Bruin Ch 0.00% Introductory APR for six months from a After that, your APR will be 13.15% to 23.15% the market based on the Prime Rate.

MyRewards Signature/MyRewards/Secured 11.15% to 21.15%, when you open your acco with the market based on the Prime Rate. Wescom Active 9.15% to 19.15%, when you open your accou with the market based on the Prime Rate. Bruin Edge Signature/Bruin Edge/Bruin Ch 13.15%to 23.15%, when you open your accou with the market based on the Prime Rate.

Your due date is at least 25 days after the clo on purchases if You pay Your entire balance b zero or a credit balance.

For Credit Card Tips from the Consumer Financial Protection Bureau Fees Transaction Fees

Penalty Fees

To learn more about factors to consider wh website of the Consumer Financial Protect at

Balance Transfer Fee: $2.00 Or 2.00% Of The Am (Maximum Fee: $50.00) Cash Advance Fee: $2.00 Or 2.00% Of The Amou Fee: $50.00) Foreign Transaction Fee: None

Late Payment Fee: Up To $15.00 Returned Payment Fee: Up To $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - MyRewards Signature, MyRewards, Bruin Edge Signature, Bruin Edge, Bruin Choice, and Secured: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Promotional Period for Introductory APR - Wescom Active: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your account. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date: The information about the costs of the card described in this application is accurate as of: 07-012021 This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Secured is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual

Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures: Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Balance Transfer Fee (Finance Charge): $2.00 or 2.00% of the amount of each balance transfer, whichever is greater, however, the fee will never exceed $50.00. However, the fee will not be assessed on transactions posted during the Promotional Period stated on the previous page.

Cash Advance Fee (Finance Charge): $2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $50.00.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $5.00.

Rush Fee: $18.00.

Statement Copy Fee:

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