5 Reasons To Choose an SWSFCU Visa Credit Card

Are you looking for a credit card but don’t know where to start? We’ve got a list of five reasons you should choose Shell Western States FCU for your next Visa® Credit Card.

You can make your shopping experience better with a credit union you trust. We offer lower interest rates, easy ways to build credit and card options to meet your needs. You might also be able to transfer your existing balance for a better interest rate.

Without further ado, here are the five reasons to choose an SWSFCU Visa Credit Card!

1.     We offer low interest rates.

Most Americans are struggling with credit card debt. Unfortunately, credit card interest rates are often so high that it’s hard to overcome credit card debt once it starts building up.

The average credit card interest rate is sitting above 20%, which can cause debt to pile up quickly. On top of that, almost half of Americans are in credit card debt in some form. According to Forbes, the average debt per American is over $6,000!

Our credit card offers a lot. We believe that offering credit cards with low interest rates is the first step to helping members find financial freedom at every stage of their life. That’s why, at Shell Western States FCU, we keep our rates low!

The most important thing to us is the financial well-being of our members. By keeping our credit card rates low, we’re proving our commitment to our members. If you want to know just how low our rates are, visit the Loan Rates page on our website!

2.     You can build your credit score more easily.

Your credit score is one of the most important parts of your financial history. One of the best ways to build credit is with a good credit card! When you’re able to spend without fear of overwhelming debt, you’ll be able to build your credit safely and efficiently.

Your credit score is based on your payment history, the amount you owe, how close you get to reaching your borrowing limit, your credit history and how many types of credit you have open. By opening a low-rate credit card with Shell Western States FCU, you can see positive results in all these categories!

With a low rate, paying off your balance will be easier. Paying your full statement each month is a great way to raise your credit score. Limiting your spending and making regular payments might stop you from reaching your borrowing limit. By opening a new card, you’ll be making your credit mix look better as well.

We also have options specifically designed to help you build your credit!

3.     You can transfer your existing balance.

Are you already struggling with high credit card debt? You might be wishing for a lower interest rate each month. With a balance transfer, you can lower your rate!

We’ll let you bring your high-rate credit card balance to our low interest rate credit cards, lowering the interest you pay each month. Your payments can go a lot further when you’re paying less in interest each month!

If you’re worried about the price of the transfer, don’t be. Our balance transfers come with no fees and are available to everyone! Whether you’re currently a member or you’re simply considering joining, you can apply for a balance transfer.

Still not sure if it’s a good time for a balance transfer? We’re here to talk to you about how we can help. Call us at 925-228-4545, option 3, to speak with a Loan Officer today! They can help find a card that’s right for you and help with credit card pre-approvals.

4.     We have several options to choose from.

Not every credit card is the same. Hundreds of cards exist with many different vendors, each with their own rewards, benefits, perks and more. One person might look for the best cash back credit cards, while someone else wants the best credit card for bad credit.

The best credit card for you isn’t the best for someone else. That’s why we have a wide variety of Visa Credit Cards for you to choose from!

If you’re looking to build your credit or to bounce back, our Visa Credit Builder and Visa Classic cards might be what you need. These give you all the basics without all the bells and whistles to get in the way.

They’re great first cards and are built to help you raise your credit score. These could also be good student credit cards, as they’ll help you prepare for post-school spending habits.

Our Visa Gold card offers more purchasing power with higher limits and nearly worldwide access. This card is a great upgrade without having too many extra requirements.

If you’re someone who wants as many features as possible, we also have a Visa Platinum Credit Card option! This card has the highest limits and the most features. The Visa Platinum is designed to reward our members with a long and strong credit history.

No matter what you’re looking for, we’ve got a card to meet your needs. We also offer both secured credit cards and unsecured credit cards, which means you’re getting even more control over your card options.

5.     You’ll get to work with a local credit union.

The previous points focus on how our card can help you. However, working with a credit union comes with its own suite of benefits! Our low interest rate credit cards are only available because we’re a credit union.

As a not-for-profit financial institution, we don’t have to pay stockholders when we do well. Instead, we give the earnings back to our members in the form of lower rates and fewer fees! We are also longstanding members of the community, and we love giving back.

We want to prove to you that we, your local credit union, have the best credit cards for you. You can apply today by calling us at 925-228-4545, option 3, or by visiting our website.

Apply for a credit card!