Bank · FDIC insured
West Shore Bank Credit Card Rates
West Shore Bank credit card rates start at 11.24% APR. Rates checked October 16, 2026.
How West Shore Bank’s credit card rates compare
Compared with banks and credit unions near Ludington, MI, where West Shore Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
West Shore Bank
– –
No ongoing APR published
Lowest rate
Filer Credit Union
9.88%APR
2nd-lowest rate
Preferred Credit Union
9.99%APR
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.
Cash Rewards Platinum Visa®
Issued by TCM Bank, N.A. Subject to credit approval. No annual fee. 0% Intro APR applies to purchases and balance transfers for the first 12 billing cycles after account opening.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR on purchases and balance transfers for the first 12 billing cycles after account opening. |
| Ongoing | 15.24%–25.24% | None | Variable APR based on Prime Rate (5.50% Prime Rate) and creditworthiness after introductory period. |
Sources (1)
- westshorebank.com/borrow/personal/personal-credit-cards · captured Oct 7, 2026
Excursion™ Visa Signature®
Issued by TCM Bank, N.A. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR for the first 12 billing cycles on purchases and balance transfers. $0 Intro fee for the first year. |
| Ongoing | 18.24%–24.24% | $20 | 18.24% - 24.24% variable APR after introductory period. $20 annual fee after first year, waived based on spend. |
Sources (1)
- westshorebank.com/borrow/personal/personal-credit-cards · captured Oct 7, 2026
Platinum Visa®
Issued by TCM Bank, N.A. Subject to credit approval. No annual fee. 0% Intro APR applies to purchases and balance transfers for the first 12 billing cycles after account opening.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR on purchases and balance transfers for the first 12 billing cycles after account opening. |
| Ongoing | 11.24%–21.24% | None | Variable APR based on Prime Rate (5.50% Prime Rate) and creditworthiness after introductory period. |
Sources (1)
- westshorebank.com/borrow/personal/personal-credit-cards · captured Oct 7, 2026
Rewards Platinum Visa®
Issued by TCM Bank, N.A. Subject to credit approval. 0% Intro APR applies to purchases and balance transfers for the first 12 billing cycles after account opening.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR on purchases and balance transfers for the first 12 billing cycles after account opening. |
| Ongoing | 12.24%–22.24% | None | Variable APR based on Prime Rate (5.50% Prime Rate) and creditworthiness after introductory period. |
Sources (1)
- westshorebank.com/borrow/personal/personal-credit-cards · captured Oct 7, 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.