Q: How can I apply for a credit card?

Visit wafdbank.com/creditcard . Click Apply Now under the credit card product you want. Follow the prompts for the online application process. Please visit your local branch if you need additional assistance.

Q: How do I access my credit card account?

Visit wafdbank.com/creditcard . Access the credit card portal. Type your credentials to log in. If you're a new user, you'll be prompted to enroll to create your account. If you're a WaFd Bank consumer accountholder (with a checking or savings account) with WaFd Bank online banking, you can: Verify your credit card balance. View limited related information. Access a direct link to the credit card portal for full functionality.

Q: I forgot my username or password

Access the login screen. Select Forgot Your Username? Follow the steps to reset your information if needed. If you need additional assistance, please call our Client Care Center at 800-324-9375 or email ask@wafdcards.com .

Q: How do I enroll in paperless statements?

There are two statement delivery options: Email Opts you out of receiving paper statements. Mail Statements are mailed to you and are available online. To select your statement delivery option, follow the steps below: Visit wafdbank.com/creditcard . Locate and access the credit card portal. Log in using your credentials. In the Statements menu, select Statement Delivery Options . Select your statement delivery method.

Question 1

How can I apply for a credit card?

Accepted Answer

Visit wafdbank.com/creditcard.
Click Apply Now under the credit card product you want.
Follow the prompts for the online application process.

Please visit your local branch if you need additional assistance.

Question 2

How do I access my credit card account?

Accepted Answer

Visit wafdbank.com/creditcard.
Access the credit card portal.
Type your credentials to log in.
If you're a new user, you'll be prompted to enroll to create your account.
If you're a WaFd Bank consumer accountholder (with a checking or savings account) with WaFd Bank online banking, you can:
- Verify your credit card balance.
- View limited related information.
- Access a direct link to the credit card portal for full functionality.

Question 3

How long until I receive my credit card?

Accepted Answer

Those who were automatically approved should receive their credit card in 7-10 business days.

Question 4

My application is being reviewed. When will I be approved?

Accepted Answer

Generally, we begin manually reviewing applications the next business day. If we have additional questions, we'll reach out to you. Usually, the review can take a week or so, but sometimes can take a couple of weeks.

Question 5

I was not approved. Why?

Accepted Answer

Your credit card application underwent a thorough decisioning process based on the following:

Your credit history
Underwriting standards
Bank's risk policies

Our decision may have been based in whole or in part on information obtained in a report from a consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. Those who are denied will receive a letter in the mail defining the reasons for the denial.

Question 6

How do I activate my credit card?

Accepted Answer

You must enroll before you are able to activate your new credit card.

Enroll

Visit wafdbank.com/creditcard.
Access the credit card portal, and follow the prompts to create credentials.

Activate online

Visit wafdbank.com/creditcard.
Access the credit card portal.
Log into the portal.
Select the Account Services menu.
Locate and select the Card Activation link, and follow the prompts to activate your card.

Activate by phone

Activate your card by phone at 866-513-0483. For issues with activation, call our Client Care Center at 800-324-9375.

Question 7

I already have a WaFd Bank credit card. Is this one different?

Accepted Answer

If you already have a credit card with a WaFd Bank logo, then yes, it is different! The credit card you have was provided by WaFd Bank through a partnership with Elan. We made the decision to end our partnership with Elan and will no longer be offering their credit card products effective April 1, 2020.

Your existing credit card account and terms will not change. It just will no longer be supported by WaFd Bank. You will still have full card functionality and will be able to access your account by going directly to the myaccountaccess.com portal.
Your plastic card will not be automatically reissued, until it expires or is replaced due to being lost or stolen. At that time, you can expect a new card with the Elan logo replacing the WaFd Bank logo.
If you wish to apply for a new WaFd Bank credit card, you may do so by applying on our website or contacting your local branch.

Question 8

I forgot my username or password

Accepted Answer

Access the login screen.
Select Forgot Your Username?
Follow the steps to reset your information if needed.

If you need additional assistance, please call our Client Care Center at 800-324-9375 or email ask@wafdcards.com.

Question 9

What if my card is lost, stolen, or damaged?

Accepted Answer

You can report your card as lost, stolen, or damaged and order a replacement by contacting our Client Care Center at 800-324-9375.

Question 10

How do I enroll in paperless statements?

Accepted Answer

There are two statement delivery options:

Email
Opts you out of receiving paper statements.
Mail
Statements are mailed to you and are available online.

To select your statement delivery option, follow the steps below:

Question 11

How do I make a payment?

Accepted Answer

You can pay your credit card using one of the following options:

Online
To make a payment online
1. Visit wafdbank.com/creditcard.
2. Access the credit card portal.
3. Log into the portal.
4. Select Payment to begin setting up your payment.
Phone
To make a payment by phone, call us at 800-324-9375
Mail
To make a payment by mail, mail a check with the statement payment coupon.
In Person
To make a payment in person, visit one of our local branches.

Question 12

What permissions are given to authorized users?

Accepted Answer

Authorized users are given permission by the primary account owner to make transactions with their card, such as purchases or cash advances. Authorized users aren't responsible for paying the credit balance. The primary account owner is responsible for the credit balance. However, authorized users can make a payment online or by visiting a WaFd Bank branch to make an in-person payment.
Caution: Authorized users cannot make cash payments.

An authorized user can enroll in the online credit card portal where they have full access to transaction history, statements, and can initiate disputes. Authorized users cannot change any of the primary account information or request limit changes.

Question 13

Is an authorized user the same as a joint owner?

Accepted Answer

No. We don't allow joint owners for any of our consumer credit card products at this time. An authorized user is an individual given permission to use the primary account owner's card to make purchases and isn't responsible for the credit card balance. The credit card account shows up on their credit report as a line of credit account. The use and repayment of the credit card may affect their credit report.

Question 14

What is a Pending Payment Transaction?

Accepted Answer

Depending on the payment type, there can be a hold placed for fraud verification purposes. The payment is considered as processing during this time, and funds and balance are restored shortly. If you have specific questions on the primary account owner's account, call 800-324-9375.

Question 15

What is the rate for the WaFd Cash Back Credit Card?

Accepted Answer

17.24% Annual Percentage Rate (APR) for Purchases.

WaFd Bank Cash Back Credit Card