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.

Question 1

How do I get my cashback rewards?

Accepted Answer

Cash back rewards are issued as automated statement credit—easy for cardholders as no redemption is required!

Question 2

When are cash back rewards payed out?

Accepted Answer

The cash back rewards payout is scheduled on a quarterly basis each calendar year.

Question 3

Are there any restrictions on receiving cash back rewards?

Accepted Answer

Accounts must be in good standing to receive cash back rewards.

Question 4

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 5

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 6

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 7

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 8

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 9

How do I activate my credit card?

Accepted Answer

Once you receive your credit card in the mail, you can activate online or by phone by calling 866-513-0483.

Online

Before activating your credit card, you must enroll your credit card.

Enroll

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

Activate

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.

Phone

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

Question 10

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 11

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 12

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 13

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:

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 14

How do I make a payment?

Accepted Answer

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

Online
Phone
Mail
In Person

Online

To make a payment online

Visit wafdbank.com/creditcard.
Access the credit card portal.
Log into the portal.
Select Payment to begin setting up your payment.

Phone

To make a payment by phone, call our Client Care Center 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 15

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.

Frequently Asked Questions

WaFd Bank Small Business Credit Card