| Last updated on December 12th, 2023
Wescom Bruin Choice Visa® Credit Card
Wescom Bruin Choice Visa® Credit Card
Wescom Bruin Choice Visa® Credit Card
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Wescom Bruin Choice Visa® Credit Card helps UCLA students build credit and earn rewards at the same time. The card is a credit union and student credit card that offers 0% intro APR, no foreign transaction fees, and up to 5X point son purchases – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 5X points on select UCLA purchases
- Earn 1.5X points on all other purchases
- 0% intro APR for 6 months on purchases and balance transfers
- Credit limits of up to $1,000
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
- You attend UCLA
- You're new to credit cards
- You want to earn savings at a selection of campus dining options
- You do't want to pay an annual fee
Wescom Bruin Choice Visa® Credit Card Review:
The Wescom Bruin Choice Visa® Credit Card is a student credit card designed to help UCLA students build credit while earning impressive rewards. From Los Angeles-based credit union Wescom, the card earns up to 5X points on select purchases and features no hidden fees.
Perfect for Bruins New to Credit
The Bruins Choice Visa is a student credit card, and as such, it makes the perfect launching point for the UCLA underclassman looking to build a positive credit history with responsible use. The card offers credit limits of up to $1,000, providing modest spending power on top of solid rewards.
Earn Up to 5X Rewards
The Bruins choice Visa offers up to 5X reward points per dollar spent on select UCLA Purchases, including a wide assortment of on-campus and UCLA-associated merchants. These 5X merchants include:
- Blaze Pizza
- Southern Lights
- Bruin Buzz
- North Campus Student Center
- Northern Lights
- Lu Valle Commons
- Jimmy’s Coffeehouse
- Café 451
- Anderson Café
- Kerckhoff Café
- Music Café
- Wetzel’s Pretzel’s
- Lollicup Express
- Sweetspot
- Taco Bell
- Curbside
- Café Synapse
- UCLA Homestand in Pauley Pavilion
- Joe Brewin’ in Pauley Pavilion
- Fullcourt Press in Pauley Pavilion
- Pavilion Market in Pauley Pavilion
- Jersey Mike’s in Pauley Pavilion
- Subway
- Yoshinoya
- Veggie Grill
- Rubio’s
- Panda Express
- Kikka Sushi
Also included in the 5X category are Brookside Golf Course and Brookside Restaurant, concessions at the Rose Bowl Stadium and Pauley Pavilion, UCLA Athletics single-game tickets, and UCLA campus event tickets.
All other purchases with the card earn a flat-rate 1.5X points per dollar spent, with no limit on the total number of rewards points earnable. Points are redeemable through the MyRewards portal.
One-Time $50 Cash Back Bonus
New accounts also enjoy one-time cash back bonus. Students earn a 5,000-point bonus after spending $500 within the first three months of opening an account. This cash back bonus has a value of approximately $50 and is a great perk for those that want to make the most of their new card.
Intro APR Offers
Meeting that minimum spending requirement is even easier thanks to two 0% intro APR offers. New Wescom Bruin Choice Visa® cardholders enjoy 0% intro APR for six months on purchases and balance transfers – and a special introductory balance transfer fee of $0.
Once the two no interest periods end, the card features an exceptional value of a competitive APR starting as low as 13%. Of course, not all students will receive the best rates, but even those who get a higher APR can breathe easily knowing it is still very competitive.
Other Card Features
Other notable features of the Wescom Bruin Choice Visa® Credit Card include:
- No annual fee
- No foreign transaction fees
- Visa Zero Fraud Liability
- Chance to win VIP access to UCLA events and experiences
- Mobile banking access through Wescom’s mobile app
- Access to more than 30,000+ ATMs nationwide
Should You Apply for the Wescom Bruin Choice Visa® Credit Card?
The Wescom Bruin Choice Visa® Credit Card is an extremely interesting credit card for current UCLA Bruins (or future Bruins waiting to start their freshman year). The card offers exclusive savings and impressive rewards at a huge array of campus eateries and UCLA locations – including the Rose Bowl.
The Bruin Choice Visa also offers manageable credit limits, unlimited rewards, and several worthwhile introductory bonuses – including a $50 rebate and two 0% intro APR periods. Add to that no foreign transaction fees or annual fee, and the card is the perfect introduction to credit for UCLA students, or anyone that has Bruin-pride, but attends another Southern California school. The Chase Freedom® Student Credit Card is another great student credit card to consider, as it offers cash back, a good grades discount, and no annual fee.
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