Credit Union Accounts Credit Cards Credit Builder Card

Build your foundation with a Credit Builder Card

The path to strong credit begins here

Why TruWest

Start Building Great Credit Now

Credit Builder Card

TruWest can help you build the credit you deserve. With our great rates and easy application process, building a solid credit foundation is now within your reach.

Special introductory APR¹
No annual fee²
Low interest rates

FAQs

Frequently Asked Questions

Do I need to be a member TruWest Credit Union to get a TruWest Visa card?

Answer:

Yes. A membership is required if you are approved for a TruWest Visa.
Where do I send my payments to?

Answer:

You can make your payments in a couple of ways. The most convenient way is to pay online through online banking (Not enrolled? Click here to sign up today)

You can also mail in your payment to:

TruWest Credit Union
P.O. Box 78637
Phoenix, AZ 85062-8637
When does the billing cycle end?

Answer:

The billing cycle ends the 2^nd of every month.
What is my due date?

Answer:

TruWest Visa credit card payments are due the 2nd of each month.
Do I need to have a business to apply for a Business Visa?

Answer:

Yes. You must have a business in order to be approved for a Business Visa.

Next Steps

As easy as 1, 2, 3

How to Apply for a Credit Builder Visa Card

1

Application
Apply online, at a branch or by phone at 1(855) 878-9378.
2

Approval
A TruWest representative will follow up (via phone) within 24-48 hours.
3

Delivery
If approved, you will receive your card within 7-10 business days.

¹APR is Annual Percentage Rate. Must be a TruWest member with a minimum $5 membership deposit and continuing balance to qualify. Requires application and is subject to credit approval. Subject to terms and conditions. Please visit truwest.org/visaterms for further information. APR is based on the Prime Rate plus a “margin” and will vary with the market. The estimated standard variable APR is between 10.70% and 25.75%. No Annual Fees. Balance transfer fee is 3% of each balance transfer. Cash advance fee is 4% of amount of each cash advance. Foreign transaction fees 1.00% of the amount of the transaction in U.S. dollars. Please visit truwest.org/visaterms for further details. Card type and APR determined by borrower’s credit score Information is accurate as of October 3, 2024, and subject to change. The term Credit Builder is used for marketing purposes only, refer to Visa Platinum card terms and conditions. Cannot be combined with other offers. Offer, program, rates, terms, and conditions subject to change without notice.
²No Annual Fee. Balance transfer fee is 3% of each balance transfer. Cash advance fee is 4% of amount of each cash advance. Foreign transaction fees 1.00% of the amount of the transaction in U.S. dollars.