Stride BankWestlake Black Visa Credit CardRegistry illustration · issuer artwork unavailable

Westlake Black Visa Credit CardStride Bank

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

9.24%–35.74%

great to poor

Balance transfer

—

Cash advance APR

12.24%–35.74%

variable

Annual fee

p.2none

Foreign fee

3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

Grace period

21 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 13.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 21.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 35.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	9.24%–35.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances
Great credit	median 16.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 24.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 35.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	12.24%–35.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	21 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0, Annual Fee If the Rates and Fees Table included with your Agreement includes an Annual Fee or Annual Membership Fee, you will be charged this Fee once the account is opened, and on each subsequent anniversary date of Account opening each year. The Annual Fee will be charged to your Account.Stride Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$0.00”Stride Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Transaction fees
Cash advance	Either 5% of the amount of each advance or $10.00, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	We may charge you this Fee if we do not receive your payment as instructed on your Statement. This Fee will not exceed the amount permitted by law. We will charge $35 for any late payment, except to the extent the required minimum payment you fail to payConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$35, We may charge you this Fee each time your financial institution for any reason rejects a payment you make to us. We will charge the lesser of $35 for any returned payment or the amount of your minimum payment. A returned payment may be considered a lateConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	The program currently only provides for firm offers of credit extended to customers of Westlake Financial.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

WB Cardholder Agreement 03.11.2026page 1 of 14

Westlake Black VISA Credit Card Agreement

Westlake Black VISA ® Credit Card is issued by Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc.

There are two parts to this Credit Card Agreement (the 'Agreement'): Rates and Fees Table and Consumer Card Agreement . The Rates and Fees Table shows the rates and fees for your credit card. The Agreement contains important information related to your credit card issued by Stride Bank, N.A.('Bank') and serviced by Wilshire Commercial Capital, LLC ('Servicer'). Bank has agreed to lend you money as described in this Agreement, and you agree to pay us back together with interest charges and fees. Your use or activation of the Card and any transaction using the Card or Account indicates your acceptance of the terms of this Agreement. If any fee in the Rates and Fee Table is marked 'none,' the section of this Agreement that relates to that fee does not apply.

Your Cash Advance limit will be shown on your statement and is part of your total credit limit.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 9.24% to 35.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances · 12.24% to 35.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies · 35.99% This APR may be applied to your account if you do any of the following: 1. you do not make any payment when it is due; 2. any payment you make is rejected, not paid or cannot be processed; 3. you exceed a credit limit; 4. you become delinquent on another account with us or with others or exceed the reasonable utilization of your credit lines; 5. you file or become the subject of a bankruptcy or insolvency proceeding; 6. you are unable or unwilling to repay your obligations, including upon death or legally declared incapacity; 7. we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to defraud us; 8. you do not comply with any term of this Agreement or any other agreement with us; 9. you permanently reside outside the United States; or 10. Use the card or account for • Any illegal activity. • Domestic or international gambling purposes, whether online or otherwise. • Any purpose in any country or territory that is subject to economic sanctions administered and enforced by the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC), or with any person or entity subject to such sanctions. • For the purpose of paying us on this or any other form of credit account you may have with us. • For the purchase of cryptocurrencies. • For business or commercial purposes. How Long Will the Penalty APR Apply? If your APRs are increased for a failure to make a payment, the Penalty APR will apply until you make the next six consecutive minimum payments when due, or as otherwise required by law. If your APRs are increased for any other Account default under the terms of your agreement, such APRs will be applied indefinitely to all new transactions that occur after such default. Paying Interest · Your due date is at least 21 days after the close of each billing cycle (“Payment Due Date”). Wewill not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on cash advances on the

1 2 3 4 5 6 7 8 9 10 11 12 13 14No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Stride Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“$0.00”
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Stride Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Your due date is at least 21 days after the close of each billing cycle (“Payment Due Date”) . We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Advance APR good, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Advance APR great, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Advance APR poor, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Other, Requirements for Opening, Requirements for Opening Types
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:stride-bank-national-association:westlake-black-visa-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Stride Bank
Legal issuer: Not established by retained evidence
Sources: Government dataset · 2 documents · 0 pages cited

Documents

WB Cardholder Agreement 03.11.2026effective date not parsed
WBC Cardholder Agreement_12_25_2025effective date not parsed

Westlake Black Visa Credit CardStride Bank

Rates and fees