Bank · FDIC insured
WaFd Bank Credit Card Rates
WaFd Bank credit cards start at 16.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How WaFd Bank’s credit card rates compare
Compared with banks and credit unions near Seattle, WA, where WaFd Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
WaFd Bank
16.74%APR
- Up to
- —
WaFd Bank Visa® Cash Back Rewards Credit Card
Lowest rate
America's Credit Union
8.79%APR
- Up to
- 18.00% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
WaFd Bank credit card score
61
Credit card score
Higher than 3% of U.S. banks and credit unions
- Purchase APRPurchase APR16.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WaFd Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
WaFd Bank Visa® Cash Back Rewards Credit Card
Variable APR based on Prime Rate + 9.74% margin (maximum rate 22.99%). Cash advance APR is Prime + 23.24% (maximum rate 29.99%). Cash back rewards of 1% on qualified purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49% | None | Purchase APR is variable (Prime Rate of 6.75% + 9.74% margin, max 22.99%). |
| Ongoing | 29.99% | None | Cash advance APR is variable (Prime Rate of 6.75% + 23.24% margin, max 29.99%). Fee is greater of $10 or 3%. |
Sources (2)
- wafdbank.com/documents/credit-…-visa-signature-rate.pdf
- wafdbank.com/documents/credit-…ard-holder-agreement.pdf
All captured Oct 15, 2026
WaFd Bank Visa® Secured Credit Card
Requires having a current or new WaFd Bank account and applying in person at a branch. Security deposit is refundable upon account closure and equals 105% of credit limit. Variable APR based on Prime Rate + 17.49% margin (maximum rate 29.99%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 24.24% | None | Purchase APR is variable (Prime Rate of 6.75% + 17.49% margin, max 29.99%). |
Sources (1)
- wafdbank.com/documents/credit-…st-rate-fee-schedule.pdf · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.