Wescom Active Visa 

Apply 

Simply a low rate, without the rewards 

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 

Apply 

Rewards on every purchase 

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 

Apply 

Rewards that fuel your Bruin pride 

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: 07-01-
2021 

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 clos  
on purchases if You pay Your entire balance b  
zero or a credit balance. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
For Credit Card Tips from the Consumer Financial 
Protection Bureau 

To learn more about factors to consider wh  
website of the Consumer Financial Protect
at http://www.consumerfinance.gov/learnm

Fees 

Transaction Fees 

  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 

Penalty Fees 

  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: 07-01-

2021 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: