The Westlake Black Visa Credit Card is an excellent option for individuals aiming to build or rebuild their credit while earning cash-back rewards on both everyday and automotive-related purchases. Issued by Westlake Financial Services in partnership with Stride Bank, the card reports to all three major credit bureaus—Experian, TransUnion, and Equifax—helping responsible users improve their credit score. With flexible credit limits, easy online account management, and specialized rewards for car owners, it combines credit-building potential with practical financial benefits for cardholders in 2025.
What Is the Westlake Black Visa Credit Card?
The Westlake Black Visa Credit Card is designed for consumers with limited or subprime credit histories. Unlike traditional cards, it focuses on credit-building features while offering cash-back rewards, especially for automotive-related expenses. It’s ideal for those looking to establish a strong credit profile while earning practical rewards on everyday purchases.
Key Benefits:
- Reports to all three major credit bureaus
- Cash-back rewards on general and auto-related purchases
- Helps establish or improve credit history
Issuer Details:
- Issuer: Westlake Financial Services
- Partner Bank: Stride Bank
- Headquarters: Los Angeles, California
- Founded: 1988
Westlake Financial Services specializes in auto financing solutions for all credit levels. Responsible use of the card can positively impact your credit score.
Westlake Black Visa Credit Card Features & Benefits
Credit Limits
- Up to $10,000, depending on creditworthiness
- Higher limits help improve credit utilization
Reporting to Credit Bureaus
- Reports to Experian, TransUnion, and Equifax
- Timely payments improve credit score; late payments may negatively affect it
Cash-Back Rewards
- Non-Auto Purchases: 0.5% cash back
- Auto-Related Purchases (2% cash back):
- Gas & EV charging
- Oil changes & car maintenance
- Tires & car insurance
- Roadside assistance & towing
Pro Tip: Maximize 2% cash back by prioritizing all automotive-related expenses.
Online Account Management
Manage statements, payments, and account settings via the Westlake MyAccount app or website
Eligibility & How to Apply
Minimum Requirements:
- Age: 18+
- Credit History: Limited or subprime credit holders are eligible
- Income: Proof may be required
Application Process:
- Apply online through the Westlake Financial website
- Pre-approved offers may be available for existing Westlake auto loan customers
- Approval decisions are typically fast with a soft credit check
Fees, APR, and Terms
| Fee Type | Details (2025) |
|---|---|
| Annual Fee | Not publicly disclosed |
| Monthly Maintenance | Not publicly disclosed |
| Purchase APR | Not publicly disclosed |
| Cash Advance APR | Not publicly disclosed |
| Penalty Fees | Not publicly disclosed |
Always verify current fees directly with Westlake Financial Services.
How to Use the Westlake Black Visa Responsibly
- Pay balances on time to avoid interest and late fees
- Keep utilization below 30% of your credit limit
- Monitor your credit score regularly
- Prioritize auto-related purchases to maximize 2% cash-back rewards
Expert Tip: Responsible usage combined with low utilization can significantly boost your credit score in just a few months.
Alternatives & Comparisons
| Card | Rewards | Ideal Users |
|---|---|---|
| Discover it® Secured | 2% cash back at gas & restaurants | Beginners with low credit |
| Capital One QuicksilverOne® | 1.5% cash back on all purchases | Subprime credit holders |
| Westlake Black Visa | 0.5% general / 2% auto | Auto owners & credit builders |
The Westlake Black Visa stands out for automotive rewards, making it ideal for car owners.
Read Also- TST Charge on Credit Card Statement
Westlake Black Visa Credit Card FAQ
Is the Westlake Black Visa Credit Card secured?
Not publicly disclosed; verify with Westlake Financial Services
What rewards does it offer?
0.5% cash back on general purchases, 2% on auto-related expenses
Can this card help rebuild credit?
Yes, it reports to all three major credit bureaus
What happens if I miss a payment?
Late fees may apply and your credit score can be affected
How can I maximize cash-back rewards?
Focus on automotive-related purchases like gas, car maintenance, and insurance
Conclusion
The Westlake Black Visa Credit Card offers a unique combination of credit-building features and automotive-focused rewards. Perfect for car owners or individuals with limited credit history, it helps improve your score when used responsibly. Compare alternatives, monitor credit utilization, and pay on time to maximize benefits and protect your financial health.
Emma Rose is a U.S.-based personal finance writer and a regular contributor at Cardix.us. She focuses on topics like credit cards, credit scores, and everyday money management. Emma’s writing makes complex financial concepts simple and practical, helping readers make smarter credit and spending decisions with confidence.
