compare credit cards
The one-size-fits-all approach does not work when it comes to credit cards. We created SunWest Credit Union credit cards with you in mind.
choice is
a beautiful thing
classic
Announce yourself to the world of credit and wade the waters while you build up your profile.
14.90%
APR*
rewards
The card that rewards you with a high limit, low rate, and points for purchases you make every day.
9.99%
APR*
secured
Build your score from the bottom up. Remove the risk when you secure your limit with your own money.
7.90%
APR*
care to compare?
If you’re not sure which credit card fits your credit needs, compare all of our SunWest Credit Union credit cards. We did the heavy lifting for you. Choosing the right card shouldn’t be hard. Haha we rhymed. Awesome.
rewards
classic
secured
APR* as low as
9.99
14.90
7.90
Variable or Fixed Rate
Variable
Fixed
Fixed
Annual Fee
$0
$0
$0
Cash Advance Fee
3% of cash advance amount or $10, whichever is greater
$0
$0
Balance Transfer Fee
5% of balance transfer amount or $10, whichever is greater
$0
$0
Mobile Wallet
Yes
Yes
Yes
Tap-to-Pay
Yes
No
no
Credit Check
Yes
Yes
No**
rewards
APR* as low as
9.99
Variable or Fixed Rate
Variable
Annual Fee
$0
Cash Advance Fee
3% of cash advance amount or $10, whichever is greater
Balance Transfer Fee
5% of balance transfer amount or $10, whichever is greater
Mobile Wallet
Yes
Tap-to-Pay
Yes
Credit Check
Yes
classic
APR* as low as
14.90
Variable or Fixed Rate
Fixed
Annual Fee
$0
Cash Advance Fee
$0
Balance Transfer Fee
$0
Mobile Wallet
Yes
Tap-to-Pay
No
Credit Check
Yes
secured
APR* as low as
7.90
Variable or Fixed Rate
Fixed
Annual Fee
$0
Cash Advance Fee
$0
Balance Transfer Fee
$0
Mobile Wallet
Yes
Tap-to-Pay
No
Credit Check
No**
for the one
who loves to be rewarded
Our SunWest Rewards MasterCard® rewards you for all of your purchases, big or small.
Gas? Pump it + fill up with rewards.
Groceries? Swipe it + savor rewards.
Travel? Book it + fly high on rewards.
for the one who is classic through and through
Our SunWest Classic Mastercard® gives you control to pace yourself with lower limits while you keep building your credit or if you’re just looking to maintain your credit.
for the one who wants to secure their credit
Our SunWest Secured Mastercard® is the card for all those starting out on their credit journey or needing a little help rebuilding it.
SunWest Credit Union Credit Cards FAQ
Can I get a credit card without credit experience?
Many major credit card companies may still approve you for a low credit line with a very high interest rate (20%+). We review multiple qualifying factors including, but not limited to, your credit profile, income, and debt-to-income ratio to help you find the right card. Our SunWest Secured Mastercard® is an easy solution to gain credit experience or rebuild your credit because it’s typically an instant approval.
What do I do if my card expires?
Your card expires the last day of the month printed on your card. We automatically send a replacement card in the mail the first week of the month the card is set to expire, and most are delivered within 7-10 days of being mailed. Keep an eye on your mail, and call us if you haven’t received your card within 7 days of expiration.
Can I get a cash advance from my credit card?
Yes, you can withdraw cash directly from your SunWest Credit Union credit card. Keep in mind that cash advances begin accruing interest on Day 1, versus purchases which have a 30-day grace period.
Can I get a credit card same-day?
We currently only offer instant issuance for debit cards. Credit cards are mailed and typically received within 7-10 business days. We can expedite card shipping upon request for a fee of typically $25, or $10 if shipped to a SunWest Credit Union branch for pickup. Fees can fluctuate. Please call us at 602.866.1100 for expedited shipping timeframes and exact fee amount.
How do I get a new credit card if mine is lost?
To report your credit or debit card as lost or stolen, call us 24/7 at 833.933.1681 or internationally at 812.647.9794. You should receive your replacement in the mail within 7-10 business days.
If a card is lost while out of the US, a replacement card may be able to be sent as an exception. The fee can vary depending on vendor pricing and is typically between $45.00-$65.00. An address and member verification is required. Please call us at 602.866.1100 if you need a card replacement outside of the US.
Can I use my credit card out of the country?
Yes, you can use your SunWest Credit Union credit cards internationally at any merchant or retailer that accepts Mastercard®. Please be aware that the foreign transaction fee for international charges is 1.10% of the transaction amount.
What’s the difference between a credit and debit card?
A debit card draws money from your checking account, and the money must be in the checking at the time of use. A credit card draws money from a credit line provided by your credit union or bank, and you pay it back later.
How can I dispute a charge on my credit card?
Transaction disputes and fraud claims can be submitted in person at any of our 8 locations or over the phone at 602.866.1100.
How is my credit impacted if I cancel my card?
Closing any credit line will most likely negatively impact you and reduce your score. This is because your report will show that you now have less available credit, and your credit utilization rate will increase. However, as long as your other credit obligations show positive payment history, your score will most likely bounce back quickly.
Can I get the same credit card number reissued?
Only if the card has been damaged or is not functioning can we reissue a card number. To protect you from fraud, we will not reissue a card number for lost or stolen cards.
*Annual Percentage Rate. Rates subject to change at SunWest discretion.
1 Credit check on SunWest Secured Credit Card waived for current members whose credit was pulled previously as part of our verification process when opening a new account. Please keep in mind we always pull credit for any new member as part of our identity verification process.
