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.
sunwest classic
Classic is a vibe that says, “There is a beauty in simplicity.” We want you to have all the diamond-encrusted luxury your heart desires, but not everyone’s heart beats for the glitter and gold.
features you can appreciate
DIRECT DEPOSIT
overdraft protection
mobile banking
zelle + mobile wallet
keeping it classic
Our SunWest Classic Mastercard® provides the security of revolving credit whenever you need it, combined with the low interest rate you would expect from your community financial institution.
$0 annual fee
Low monthly payments give you the flexibility and comfort for months when you’d love to pay the bill in full, but you’re strapped a little too tight.
stress less + less
A low rate of 14.90% APR* will help relieve stress and put more money in your pocket.
mobile wallet
Add your SunWest Classic Mastercard® to your Mobile Wallet for quick and easy purchases.
transfer away
Move over balances from high-interest credit cards and personal loans to knock out those balances quicker.
start on the classic credit track
Our SunWest Classic Mastercard® is the perfect way to announce yourself to the world of credit and wade the waters while you continue to build up your profile.
If you’re just starting on your credit journey, check out our SunWest Secured Mastercard® to see which one is a better fit. Our Branch Representatives can chat with you one-on-one to break down the options and help you see which style fits you best.
Need to compare credit cards a little more before taking the leap? Click on the link below for breakdowns on all 3 of our cards.
If you’re ready to roll with us, apply for a SunWest Classic Mastercard® at a branch near you, online or call our Loan-by-Phone Department.
can i get a credit card without credit experience?
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 Classic Mastercard®. 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 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 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 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.
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.
