[CA only] Wescom Credit Union Bruin Edge Visa $500 Bonus

The Offer

Direct link to offer

  • Wescom Credit Union is offering a bonus of $500 after $2,500 in spend within the first three months on the Bruin Edge Visa card

Card Details

  • No annual fee
  • Card earns at the following rates:
    • 5 points per $1 spent on select UCLA Purchases
    • 1.5 points per $1 spent

Our Verdict

This is obviously a huge bonus by itself, but Wescom also has a $250 checking bonus and you can get an additional $250 when you qualify for a loan product. It’s not clear if you could effectively stack that with this $500 bonus and get a total of $1,000. Either way just this bonus by itself is a great deal and we will add it to the best credit card bonuses. Obviously we have no idea how strict they are on approvals or any of that other information so please share your experiences in the comments below.

Hat tip to Vanson

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318 Comments
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TJ
TJ (@guest_1821073)
March 27, 2024 22:06

Has anyone who got denied online for Chex to rejoin the CU tried going in branch? Wonder if it would increase the odds because the banker may get something out of it?

jay
jay (@guest_1817490)
March 20, 2024 20:12

what exactly is the referral for, or referral is required to open the credit card?

Davis
Davis (@guest_1817507)
March 20, 2024 20:29

Sent.

“When your friend opens a Wescom Checking Account with $100 = $50 each (Use promo code RAF when opening the new account)
When your friend achieves Signature Membership within their first three months of account opening = another $50 each
When your friend achieves Platinum Signature Membership in that same time period = an additional $100 each”

Jay
Jay (@guest_1818668)
March 22, 2024 21:36

Hello Davis, the rep at the branch cannot locate your account based on your name. It needs your phone number or account number to give the promo money to us.

Davis
Davis (@guest_1818932)
March 23, 2024 17:40

Hmm weird. That happened to a previous one but not to any of the others. The last time it was resolved by telling them that the email address of my account is [email protected]

sanii
sanii (@guest_1811456)
March 10, 2024 11:01

What’s the best way to meet the eligiblity requirement if you live out of state? Last time I called they still required me physically living in the footprint area even though friend option should bypass that via referral..

Jay
Jay (@guest_1808418)
March 5, 2024 15:59

Denied due to Excessive Obligations in Relation to IncomeNever seen this before… I have an 800 score for 10+ years, never missed a card payment and only have a car loan that’s half paid off. Very strange

Edit: Oops, I put the wrong amount in a field lol. Looks like they autoreject if you don’t make 3x your monthly expenses

WJ
WJ (@guest_1806174)
March 1, 2024 13:15

Looking for a referral. [email protected]

Hiro
Hiro (@guest_1806291)
March 1, 2024 16:25
  WJ

Sending you an email, thanks! 🙂

jay
jay (@guest_1817489)
March 20, 2024 20:12

I am looking for referral too [email protected]

Victor
Victor (@guest_1803425)
February 26, 2024 18:01

If there are referrals for the credit card, will gladly take one if anyone wishes to send to me. My email is [email protected]

Thanks!

Davis
Davis (@guest_1803428)
February 26, 2024 18:04

sent

nela22
nela22 (@guest_1798135)
February 15, 2024 13:16

Thinking about applying for the checking and credit card. Anyone know if fake DDs are still working for the checking account bonus? The only DPs I see are for Schwab and those were 3 years ago.

Diego
Diego (@guest_1798562)
February 16, 2024 07:28

My account is pretty old, but I can send a Schwab, Treasury, and Wise and tell you what the description line reads…

nela22
nela22 (@guest_1798629)
February 16, 2024 10:45

Wow, that would be amazing. Thank you so much!

Diego
Diego (@guest_1801352)
February 22, 2024 02:53

Unfortunately, the account activity lines on the website don’t appear to assign any classifications. Perhaps the monthly statement will be more enlightening; I will post that when it comes out.

Fidelity
FID BKG SVC LLC : MONEYLINE CO: FID BKG SVC LLC

Schwab
SCHWAB BROKERAGE : MONEYLINK CO: SCHWAB BROKERAGE

Treasury Direct
APA TREAS 310 : MISC PAY CO: APA TREAS 310

Wise (memo “Payroll”)
Wise Inc : Payroll CO: Wise Inc

Hiro
Hiro (@guest_1801356)
February 22, 2024 03:09

Wise looks promising…! If you manage to trigger two months in a row, in the following month you should the tracker labeled “Recurring Direct Deposit of $500+ per month” light up on the “My Membership” page (menu icon w/ 3 lines -> My Membership -> Electronic Services) 🙂

nela22
nela22 (@guest_1801639)
February 22, 2024 16:09

Diego Thanks for the update! New to Wise but have seen many people on DoC use it for DD. I’m curious:

  • How do you set up a transfer? Under Add Recipient, I see “Myself” “Someone else,” or “Business or charity” as options…
  • Are there any fees for using it?
  • Any other important info I should be aware of before using it?

Thanks!

Diego
Diego (@guest_1801911)
February 23, 2024 05:12
  • When I first joined Wise, there was no “Myself” option. AFAIK, all that does is set the recipient name, address, and email to yours, whereas these have to be manually entered if you select “Someone else.”
  • As long as you fund the transfer with your existing Wise balance, the fee is only 39 cents. You can also use Wise to pull out of a source bank and push to the destination bank in a single transaction, but that costs more. (You can push to Wise using the numbers found in Payments > Account Details > US Dollar.)
  • Never fund with a credit card; it’s almost guaranteed to post as a cash advance.
Diego
Diego (@guest_1794173)
February 7, 2024 03:32

Can anyone share their experiences with using this card for bank account funding?

Hiro
Hiro (@guest_1794839)
February 8, 2024 03:17

My P2 just got approved for her Wescom checking account + Bruin Edge Visa a few days ago. She will apply for OnPath FCU and fund 1k with the Visa card when it arrives. We’ll report back 🙂

Hiro
Hiro (@guest_1798204)
February 15, 2024 15:13

My P2 has been approved for her new OnPath checking account and the 1k charge on her Bruin Edge Visa card successfully coded as purchase 🙂

Diego
Diego (@guest_1798559)
February 16, 2024 07:20

Thank you!

Vic
Vic (@guest_1785768)
January 25, 2024 16:05

Have gone through incredible hassle. Getting this card also requires opening a savings account with at least $1 balance. Ok, tried to do that. Opening this account is possible only throught the internet with uploading a copy of the driver’s license or passport + selfie. Well, done that. But their secuirty system has rejected me and said “cannot verify indentity.” Apparently, the software colud not see that the picture on the DL and the selfie show the same person, me. Tried it three times, twice with the DL and once with passport. The same result.

Called them up, asked about that. Well, they are sorry, that made me feel very good indeed. Can I mail you everything? No. What are other options? Only one — come in person to a branch. The nearest branch from me is in Orange County, about 65 miles away. $500 bonus, but it is worth all this aggravation. Not to me.

I am glad they are so security minded, but when it becomes so oppressive, I wonder how much business they lose.

Beware!

Bubs23
Bubs23 (@guest_1815003)
March 16, 2024 18:34

Ugh similar experience here, very frustrating. Tried once ~2022, then in 2023 and both rejected. Wife got approved for hers, got the bonus, then closed. Will try again with wife’s

dv
dv (@guest_1785007)
January 24, 2024 17:35

Be aware. Hard pull inquiry. Application was rejected because they consider having 3 other active credit cards is too much, despite only ~10% credit utilization and 800+ score.