Credit union · NCUA insured
Thinkwise Credit Union Credit Card Rates
Top CarrotThinkwise Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Thinkwise Credit Union’s credit card rates compare
Compared with banks and credit unions near Riverside, CA, where Thinkwise Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Thinkwise Credit Union
8.99%APR
- Up to
- —
Platinum VISA®
Lowest rate
Sea Air FCU
7.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Vida Federal Credit Union
8.48%APR
- Up to
- —
Thinkwise Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Thinkwise Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Rewards VISA®
Credit limit up to $25,000. Annual fee: None. 2% cash back with monthly automatic redemption; restrictions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.25% | None | Rates as low as 15.25%. Rates are subject to approval. |
Gold Points VISA®
Credit limit up to $25,000. Grace period: 28 days on purchases. Annual fee: None. 1 point per $1 spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Rates as low as 13.00%. |
Platinum VISA®
Credit limit up to $25,000. Grace period: 28 days on purchases. Annual fee: None. Fixed rate as low as 8.99%. Secured version not available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | Fixed rate as low as 8.99%. Rates are subject to approval. |
Who can join Thinkwise Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Businesses qualify automatically for membership if the legal or majority owner is an existing TWCU member, the business operates in a permissible industry category, and is headquartered or primarily conducts business in Orange, Riverside, or San Bernardino Counties.
- Businesses qualify under Field-of-Membership qualification if they are located or primarily operate within the three-county service area and demonstrably support the educational sector.
Military, government and schools
- Active educational employees whose primary worksite is an educational institution within Orange, Riverside, and San Bernardino Counties are eligible for individual membership.
- Retirees, pensioners, and annuitants who have retired from any eligible educational occupation within the three-county area are eligible for membership.
- Volunteers directly supporting educational institutions in the service area, including PTA/PTO officers, booster-club leaders, and board members, are eligible for membership.
Family and household
- Immediate family members (spouses/domestic partners, parents, children, siblings, grandparents, grandchildren) and household members of current or eligible members are eligible for membership.
Membership information collected October 5, 2026.