A great local credit card should provide the convenience and peace of mind you need, with the perks and rewards you deserve. With better rates, no hidden fees, and built-in security features, our suite of OnPoint Visa® cards delivers the purchasing power to bring your dreams to life.

Compare Credit and Prepaid Cards

To order a Visa Reloadable Prepaid Card or manage your account, click here!

Extras

24-hour support

Have a question? We’re available whenever you need us 24/7.

24-hour support

Have a question? We’re available whenever you need us 24/7.

Emergency Card Replacement

If your card is ever lost or stolen we’ll get you a new one right away.

24-hour support

Have a question? We’re available whenever you need us 24/7.

Emergency Card Replacement

If your card is ever lost or stolen we’ll get you a new one right away.

Zero Liability

Zero Liability means you’re protected from fraudulent and unauthorized charges.

24-hour support

Have a question? We’re available whenever you need us 24/7.

Emergency Card Replacement

If your card is ever lost or stolen we’ll get you a new one right away.

Zero Liability

Zero Liability means you’re protected from fraudulent and unauthorized charges.

Cash Advances

Get cash when you need it with your VISA Credit Card.

24-hour support

Have a question? We’re available whenever you need us 24/7.

Emergency Card Replacement

If your card is ever lost or stolen we’ll get you a new one right away.

Zero Liability

Zero Liability means you’re protected from fraudulent and unauthorized charges.

Cash Advances

Get cash when you need it with your VISA Credit Card.

24-hour support

Have a question? We’re available whenever you need us 24/7.

Emergency Card Replacement

If your card is ever lost or stolen we’ll get you a new one right away.

Zero Liability

Zero Liability means you’re protected from fraudulent and unauthorized charges.

Cash Advances

Get cash when you need it with your VISA Credit Card.

24-hour support

Have a question? We’re available whenever you need us 24/7.

Emergency Card Replacement

If your card is ever lost or stolen we’ll get you a new one right away.

Zero Liability

Zero Liability means you’re protected from fraudulent and unauthorized charges.

Cash Advances

Get cash when you need it with your VISA Credit Card.

24-hour support

Have a question? We’re available whenever you need us 24/7.

Emergency Card Replacement

If your card is ever lost or stolen we’ll get you a new one right away.

Zero Liability

Zero Liability means you’re protected from fraudulent and unauthorized charges.

Cash Advances

Get cash when you need it with your VISA Credit Card.

Visa Reloadable Prepaid Card

Visa Reloadable Prepaid Cards

A great choice for those who want the convenience of cash with the safety and security of a prepaid card. To order a Visa Reloadable Prepaid Card or manage your account, click here!

Rates

Credit Card Rates

  •  Rates Effective 05-22-2015
Signature Visa with Rewards Platinum Visa with Rewards Platinum Visa Alert Me
Annual Percentage Rate (APR) for Purchases 2.99% intro APR for 6 months from account opening. After that your APR will be 7.9% - 12.9% depending on your credit worthiness. This APR will vary with the market based on the Prime Rate. 3.99% intro APR for 6 months from account opening. After that your APR will be 6.9% - 16.9% depending on your credit worthiness. This APR will vary with the market based on the Prime Rate. 3.99% intro APR for 6 months from account opening. After that your APR will be 5.9% - 15.9% depending on your credit worthiness. This APR will vary with the market based on the Prime Rate.

Balance Transfers

Request a Balance Transfer

If you currently have an OnPoint Visa credit card, stop by your nearest branch or call Member Services at 503.228.7077 or 800.527.3932 to request a balance transfer.

Click here to apply for an OnPoint Visa credit card.

Visa Gift Card

Want to Give the Perfect Gift?

OnPoint offers VISA Gift Cards that can be used wherever VISA cards are accepted. Choose any dollar amount up to $500 and take comfort in knowing your gift is protected with our zero-liability policy and emergency card replacement.*

Stop by your nearest OnPoint branch and pick up a Visa Gift Card today!

Frequently Asked Questions

Disclosures

All OnPoint credit cards are subject to credit approval. The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or familial status.

1 Visa Reloadable Prepaid Cards are subject to a $15.00 processing fee at the time of purchase. To read the full Visa Reloadable Prepaid Cards terms and conditions, click here.

2 Subject to conditions in the Visa Credit Card Agreement.

3 Purchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.

4 Certain restrictions apply to this benefit. Details accompany your new account materials.

5 Purchase your entire common carrier ticket to your Visa Signature card and your checked or carry-on luggage is covered up to $3,000 if lost or stolen. Receive up to $2,000 in coverage for your cancelled trip due to death, accidental bodily injury, or physical illness; or due to carrier default. Certain restrictions, limitations, and exclusions apply. Details accompany your new account materials. 

6 Get convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week. Certain restrictions, limitations, and exclusions apply. Details accompany your new account materials.

7 Up to one (1) additional year on warranties of three (3) years or less when you purchase an eligible item entirely with your eligible Visa Signature card. 

8 Receive up to $2,500 in coverage for emergency treatment if you become sick or accidentally injured while traveling on a trip purchased entirely on your Visa Signature card. Certain restrictions, limitations, and exclusions apply.

SIGNATURE VISA WITH REWARDS: All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Signature Credit Card Agreement

PLATINUM VISA & PLATINUM VISA WITH REWARDS: All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Credit Card Agreement.

* Visa gift cards are subject to a $4.95 processing fee at the time of purchase. To read the full terms and conditions, click here.

The following are credit card agreements and pricing addendums for credit card programs no longer offered: 
Fixed-Rate Platinum Visa Agreement and Pricing Addendum
Fixed-Rate Platinum Visa with Rewards Agreement and Pricing Addendum
Fixed-Rate Platinum Visa Cash Rebate Agreement and Pricing Addendum