Credit Cards

The Little Piece of Plastic That Keeps Your Wallet Full

With low rates and a Cash Back Rewards program, the Wildfire Visa^® Credit Card is the perfect way to make your purchases.

Rates and Disclosures

Apply for a Visa

What are the Benefits & Features?

Wildfire Rewards

Earn 1% cash back on every purchase and redeem your points for anything.

Learn About Rewards

ID Navigator Powered by NortonLifeLock

Your Wildfire Visa Card includes ID Navigator powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.

Confirm Eligibility

Fraud Protection

Be notified by phone or text alerts of unusual activity. You're protected by Visa's Zero Liability Policy for unauthorized purchases.

Low Rates

Enjoy rates as low as 8.9% APR* and no higher than 12.60% APR* for purchases and cash advances.

Visa Verified

When you are doing your online shopping, Visa works behind the scenes to make sure the payments are made by you only.

More Benefits

Benefits include:
Travel Accident Waiver
Auto Rental Collision Waiver

Bonus Point Days!

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases	8.9% - 12.60%**
APR for cash advances and balance transfers	From 8.9% - 12.60%**
How to Avoid Paying Interest on Purchases We will not charge you interest provided that the previous balance is paid in full on or before the Payment Due Date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	NONE
Late Fee A late fee of up to $20 will be charged if minimum payment is not received within 10 days of the Payment Due Date	up to $20
Return Check Fee If any check or other instrument given as payment on your account is uncollectible or is dishonored for any reason, we may charge you and you agree to pay a Returned Fee of up to $30.00. We do not have to attempt to collect any check more than once.	up to $30

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

This information is accurate as of 2023, but is subject to change. There are interest charges and other costs which may be associated with the use of the card. The member should contact the Credit Union for any change in the information. Call the credit union at 989-249-8200, or 1-800-227-2328 or verify current rate information on our website.

** Your rate is determined by your creditworthiness and our underwriting standards.

Grace period does not apply to cash advances. Cash advances are always subject to FINANCE CHARGES from the date they are posted to your account.

Earn 2% Cash Back this Christmas holiday Season

Christmas Holiday 2023 Bonus Points

Christmas is coming up and Wildfire is going to help you wrap up your gift shopping and celebrate the holiday with you as you spend nights out with your family and friends.

When you use your Wildfire Rewards Visa at merchandise stores and restaurants you will be rewarded a gift of 2% Cash Back from December 1 to December 24.

So go get that special gift for that special person in your life, and experience gift giving as a little more rewarding.

Promotion Period: Friday, December 1 through Sunday, December 24, 2023

More Benefits & Features

Lock/Unlock Your Card

Visa Secure Remote Commerce

Activate Your Card

Image of a phone with the Wildfire Visa added to wallet

Mobile Wallet

EMV Chip

Agreements & Disclosures

Visa Credit Card Agreement & Disclosure

EMV is a registered trademark or trademark of EMVCo LLC in the U.S. and other countries.

* Your rate is determined by your credit worthiness and our underwriting standards.

** Visa's Zero Liability policy does not apply to certain commercial cards and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify Wildfire Credit Union immediately of any unauthorized use. Contact us for more details.