Personal Credit Cards


Two exceptional credit cards, both with outstanding benefits.

Our Visa® Signature and Platinum personal credit cards keep up with your lifestyle and work with how you spend. No matter your financial needs, or how you like to spend and travel, our credit cards offer total flexibility.

Plus, both cards come standard with our Clearly Cash BackTM rewards, earning you 1.5% cash back on qualifying purchases.1
 
 

Personal Credit Card Rates

0% introductory APR for 6 months and no annual fee. 
Purchase Rate

APR

See more.



Cash Rate

APR

See more.








credit card front and back
Existing Cardholders

Need a higher credit limit?

You can submit a request quickly and conveniently online.
 
 

More than just an everyday credit card.

Every Washington Trust credit card includes card benefits for added security, convenient digital access, and everyday flexibility.
Help protect every purchase you make.
Fraud protection and Visa's zero liability2 can help give you added confidence and peace of mind when you use your card.

Manage your card with greater ease.
Access your credit card through WTB Online to review activity, monitor transactions, and manage your account digitally.

Stay informed with helpful card alerts.
MyCardRules™ lets you set transaction alerts and monitor card activity for added awareness and control.

Check out faster and safer online.
Visa Click to Pay helps make online purchases quicker, simpler, and more secure at participating merchants and websites.

Tap, pay, and keep moving.
Use contactless payment technology for a quick, secure, and convenient way to pay at participating locations.

Added security built right into your card.
EMV chip technology helps make your physical card more difficult to counterfeit and adds another layer of security.



















Compare personal credit card options.

A pair of outstanding options, each with card benefits built around the way you spend. 
 

 Visa Platinum Visa Signature®
Credit limit $300 to $4,999 $5,000 and up
Mobile wallet (Apple Pay, Samsung Pay, Android Pay) Yes. Yes.
Visa Click to Pay Yes. Yes.
Chip technology (EMV) Yes. Yes.
Travel Accident Insurance3 $500,000 $1,000,000

Roadside Dispatch3

 Yes. Yes.
Car rental insurance3 Yes. Yes.
Hotel/Motel Theft Protection3 No. Yes.
Price protection3 No. Yes.
Product protection3 Yes. Yes.
Lost luggage reimbursement3 No. Yes.
24/7 Visa concierge4 No. Yes.
Low introductory rate Yes. Yes.
24/7 Online account access Yes. Yes.

Clearly Cash Back Rewards5

(Earn 1.5% cash back on qualifying purchases)		 Yes. Yes.





Made for the way you spend.

From everyday purchases to travel and online shopping, our personal credit cards offer flexibility for a variety of spending needs.
wallet with card sticking out
Everyday purchases.
a desktop computer and a mobile phone
Online shopping.
Icon of a palm tree
Travel and experiences.
a piggy bank with a coin
Dining and entertainment.
a dollar sign with an arrow curving down and up around it, clockwise.
Recurring bills.
stack of coins
Earning rewards.

Clearly Cash Back.

Take the money and fun. Earn unlimited 1.5% cash back for every $1 in qualifying net purchases made with your Washington Trust Bank personal credit card.5 
 
Easily redeem your cash back rewards online for:

  • A credit to your Washington Trust Visa card statement.
  • A deposit to your Washington Trust checking or savings account.
  • A transfer of your cash rewards to other Washington Trust Bank Visa Signature or Platinum cardholders.

Personal credit cards with local support.

We know banking and your neighborhood. As the oldest and largest privately held commercial bank in the Northwest, we pride ourselves on our local teams who are ready to serve their communities.

Our bankers know that your needs are unique. Whether you're considering a Visa Platinum or Visa Signature credit card, we can help you find the right option for the way you spend.
 
  • Competitive rates.
  • Clearly Cash Back rewards.
  • Online access to your account.
  • Support from a local banking team.

Personal Credit Card Rates

Effective Date  
Product Purchase Rate Cash Rate
Visa Signature Credit Card    
Visa Platinum Credit Card    
APR = Annual Percentage Rate. 0% introductory APR for 6 months. The APR will vary with the market based on the prime rate. The APR is a combination of the prime rate plus a margin, which is determined when you apply and based on several factors, including your creditworthiness. All loans are subject to credit approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change without notice.




Right in your neighborhood

Connect with your local banking team.

With over 40 locations throughout Washington, Idaho, and Oregon, there’s a Washington Trust location near you with a team of bankers ready to serve.

Apply for a Credit Card Find a location near you

Have questions about choosing a personal credit card?

Learn more about personal credit cards and get answers to common questions.
There is no annual fee for either the Visa Signature or Platinum cards. For important information about fees, see the Visa rate disclosure.
If your card is lost or stolen, or if you think your account is being used without your permission, please call us immediately at 800.788.4578. 
When it comes to the security of your account, we’re in it together. If we notice any suspicious activity or charges on your card, we’ll notify you right away. 

And along with calling us to report suspicious activity, it’s easy to use WTB Online to suspend your card or report it as lost or stolen. 
If you’re interested in increasing your credit limit, you can easily apply online. You can also give us a call at 800.788.4578 to discuss your options. 

Separately, we may change your credit limit from time to time based on a number of factors such as your payment and transaction history and information we receive from third parties including credit reporting agencies.
Once approved, it typically takes a couple of days to receive a credit card. 
Yes. A secured credit card works like a traditional credit card, with a cash deposit held in the savings account as collateral. It can be a helpful option if you're working to build credit and an unsecured card may not yet be the right fit. 
 
Curious if a secured credit card is right for you? Call our Priority Service team at 800.788.4578 to get started.

















Explore other
financing options.

Looking for financing tied to a vehicle, home, or recreational purchase? Explore additional borrowing options below.

Personal
Loans


Borrow for planned purchases, unexpected expenses, and other personal financial needs.

 

Personal Loans

Home Equity Financing


Use the equity in your home for larger expenses, projects, or other financial needs.

 

View Options

Auto
Loans


Finance a new or used vehicle with flexible loan options for your next purchase.

 

Auto Loans









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Important information:
1. Subject to credit approval and must meet eligibility requirements.

2. Visa’s Zero Liability Policy covers U.S.-issued credit cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify us immediately of any unauthorized use.

3. Certain terms, conditions, limitations, and exclusions apply. Refer to the applicable Visa Guide to Benefits you receive with your credit card for further details:
Signature Credit Card Guide to Benefits
Platinum Credit Card Guide to Benefits

4. Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholder’s behalf.

5. You will earn rewards based on your qualifying net purchases (purchases minus returns and/or other related credits) with no earnings cap. You will earn rewards as long as your account is in good standing (that is, not closed, cancelled, blocked, delinquent, suspended or otherwise inactive and not available for use). You do not earn rewards on fees, finance charges, or fraudulent or unauthorized charges. Credits (returns) to your account will reduce the rewards available in your rewards account. For more information see Clearly Cash Back Terms and Conditions.