Credit Cards
Our Visa Credit Card rates are well below the national average rate.
Our Bloom Credit Union Visa rates are well below the national average credit card rate, which is well over 20%. Earn 1% cash rewards (up to $200 per month) on everyday purchases using our Better Rewards Credit Card, with a very competitive interest rate.** Or go with the Better Rate Visa with a rate that is even lower.*
- No annual fee, transaction fee or cash advance fee
- Contactless, tap-to-pay credit cards
- Turn your card on or off in Online Banking
- Digital Wallet so you can pay for purchases using your phone
- Instant card issue capability at Wyoming, Coopersville, Cadillac, Front Ave., Big Rapids and Creston branches
- 28-day grace period for purchases
- Low monthly payment (3% of balance due)
- 24/7 fraud protection
- Fee-free balance transfer option
- Local card service experts
Apply online for your Bloom CU Visa anytime, stop by a branch office or call 616-452-2161. To transfer a balance from another credit card to your Bloom Visa without a fee, stop into a Bloom branch, or call us at 616-452-2161 to see how much you can save!
*Credit is subject to approval. Rates are subject to change and may vary based on creditworthiness. Must qualify for membership. **APR = Annual Percentage Rate. Must qualify for membership. Participants can earn 1% (.01) cash reward up to $200 per month by using the West Michigan Credit Union Better Rewards credit card to make purchases. Cash rewards will be calculated at the end of each billing cycle by multiplying your purchases by 1% (.01). Cash rewards will be credited to your credit card account within your next billing cycle and rounded to the nearest cent. Full terms and conditions will be sent with your Better Reward credit card. You, as the member, are responsible for reading the Better Reward Terms and Conditions. West Michigan Credit Union may amend the terms and conditions at any time without notice.
*Non-variable APRs. See Application and Solicitation Disclosure provided at time of application for important information on rates, fees, costs, conditions and limitations. 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. We will begin charging interest on cash advances and balance transfers on the transaction date. +May not be available for brand new members.
myBloom Rewards
Establish credit with our RightTrack Credit Card Program.*
Today, having good credit is more important than ever. To make it easy for you to thrive financially, we have a program that helps people with little to no established credit build their credit in a safe and affordable way. You’ll get a low rate Visa Credit Card with the same great features as our regular cards (see above). And it will come from someone you can trust, your local not-for-profit, Bloom Credit Union.* You'll start with a $500 credit limit. Once you establish a great credit score, even more opportunities await! Take advantage of this unique opportunity today.
Re-establish credit with our secure credit card.
If you have a limited credit history or may not currently qualify for a traditional credit card, a secure credit card could help you re-establish your credit. It offers the same features as our Better Rate Card, with the same low interest rate. It can also make it easier to do certain things, like rent a car.
You will need to deposit funds into a share savings account, which will be held as collateral for the duration of the credit card account. Unlike the Right Track Credit Card Program, you could have a credit limit higher than $500. Let us help you get the credit you deserve. Apply for your secure credit card today.
VISA Purchase Alerts
A free Service for all VISA cardholders (with VISA credit, debit, or reloadable prepaid cards such as our travel cards). You may create an account to receive purchase alerts directly to your email or by text message. Once you enroll into VISA Purchase Alerts, you will receive alerts for transactions immediately, so you can spot fraudulent activity right away.
Enrollment steps are as easy as 1-2-3!
- Check your card eligibility
- Create your account
- Choose your account settings
You may register up to 10 VISA card numbers. For more information and to create an account. Visit Visa Purchase Alerts.
Lost/Stolen Card: If your Visa is lost or stolen, please call 888-241-2510 (national) or 909-941-1398 (international call).
Other Card Services Questions? Call toll-free 1-888-729-6728 or 616-452-2161. Or email cardservices@wmcu.com
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