The Vantage West Credit Union is a personal credit card from Vantage West Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 9.49% - 27.49% APR (variable, based on Prime Rate; accurate as of 10/02/2026) after a 0.00% for twelve months for qualifying members (Platinum Visa) introductory rate. Typical credit limit: Credit Lines starting at $1,000.