credit cards-onpoint signature visa being held in local apartment

OnPoint Visa® Credit cards

More flexibility. More possibilities. More rewards.

Local credit cards accepted worldwide.

It’s never been easier to find a credit card that fits your lifestyle, all from your local community credit union.

The freedom to choose what's best for you.

Whether you’re spending locally, buying online, or traveling the world, you can find credit card options for earning rewards or cash back on all of your purchases with OnPoint.

Spend securely without worrying about how much cash you have on hand or even get a cash advance when you need it. Pay your balance now or later and track your spending online each month using OnPoint’s Digital Banking and mobile app. We make choosing a credit card option simple from the start.

Apply online today
Credit Card Landing Page-young woman making an online purchase with her OnPoint Visa Signature Credit Card

Introducing the new OnPoint Signature Visa® with Cash Back Rewards.*

Earn 2% cash back. Cash back is available on all purchases.

Get a $100 bonus. Spend at least $1,000 on your new card within the first 90 days and receive a $100 bonus.

No limit on rewards. There’s no cap on how much you can earn with cash back rewards and no annual fee.

*Must be eligible for Bundle Rewards. Additional restrictions apply, see below for details.

Compare credit cards

  • Best for:

    Best for:

  • Today's rates

    Today's rates

  • Rewards
    (expand table for additional details)

    Rewards
    (expand table for additional details)

  • Online access and 24-hour support

    Online access and 24-hour support

  • Zero liability1

    Zero liability1

  • No annual fee

    No annual fee

  • Travel and accident insurance2

    Travel and accident insurance2

  • No foreign transaction fee

    No foreign transaction fee

  • Earning rewards points

    Earning rewards points

  • Premium travel insurance

    Premium travel insurance

  • Travel reimbursement3

    Travel reimbursement3

  • Baggage reimbursement

    Baggage reimbursement

  • Roadside assistance4

    Roadside assistance4

  • Warranty manager (doubles warranty periods)5

    Warranty manager (doubles warranty periods)5

  • Emergency medical & dental6

    Emergency medical & dental6

Signature Visa® with Cash Back Rewards

  • Best for:

    Earning 2% cash back on all purchases. Your rewards are redeemed automatically for cash annually and deposited to your OnPoint Checking account. (Must be eligible for Bundle Rewards.)

  • Today's rates

  • Rewards
    (expand table for additional details)

  • Online access and 24-hour support

  • Zero liability1

  • No annual fee

  • Travel and accident insurance2

  • No foreign transaction fee

  • Earning rewards points

    There's no points to track. Simply earn 2% cash back on every purchase.

  • Premium travel insurance

  • Travel reimbursement3

  • Baggage reimbursement

  • Roadside assistance4

  • Warranty manager (doubles warranty periods)5

  • Emergency medical & dental6

Signature Visa® with Rewards

  • Best for:

    Earning more points and premium rewards. Get 3 points for every purchase on travel, 2 points on dining and 1.25 points on everything else. Plus, your points accrue faster and never expire.

  • Today's rates

  • Rewards
    (expand table for additional details)

  • Online access and 24-hour support

  • Zero liability1

  • No annual fee

  • Travel and accident insurance2

  • No foreign transaction fee

  • Earning rewards points

    Earn 3 points on every $1 spent on travel.
    Earn 2 points for every $1 spent on dining.
    Earn 1.25 point on everything else.

  • Premium travel insurance

  • Travel reimbursement3

  • Baggage reimbursement

  • Roadside assistance4

  • Warranty manager (doubles warranty periods)5

  • Emergency medical & dental6

Platinum Visa® with Rewards

  • Best for:

    Earning rewards on every purchase with 1 point for every $1 you spend.

  • Today's rates

  • Rewards
    (expand table for additional details)

  • Online access and 24-hour support

  • Zero liability1

  • No annual fee

  • Travel and accident insurance2

  • No foreign transaction fee

  • Earning rewards points

    Earn 1 point for every $1 you spend.

  • Premium travel insurance

  • Travel reimbursement3

  • Baggage reimbursement

  • Roadside assistance4

  • Warranty manager (doubles warranty periods)5

  • Emergency medical & dental6

Platinum Visa®

  • Best for:

    Taking advantage of low variable rates with no annual fee.

  • Today's rates

  • Rewards
    (expand table for additional details)

  • Online access and 24-hour support

  • Zero liability1

  • No annual fee

  • Travel and accident insurance2

  • No foreign transaction fee

  • Earning rewards points

    N/A

  • Premium travel insurance

  • Travel reimbursement3

  • Baggage reimbursement

  • Roadside assistance4

  • Warranty manager (doubles warranty periods)5

  • Emergency medical & dental6

Rates

Signature Visa® with Cash Back Rewards
Signature Visa® with Cash Back Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-06-2022

See important information about rates and fees Learn more about Signature Visa® with cash back rewards

1 APR will vary with the market based on the prime rate.

2 Penalty APR – This APR may be applied when:

  • Your minimum monthly payment is more than 60 days late, or
  • You have more than one late payment in 12 months, or
  • You are in default of any other terms of the Agreement

How long will the penalty apply? If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.

How to avoid paying interest on purchases: Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). Minimum payment: 2% of outstanding balance or $50.00, whichever is greater. We reserve the right to amend the OnPoint Signature VISA® with Rewards Credit Card Agreement as permitted by law.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

2.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

10.75% - 15.25% depending on your creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

4.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

12.75% - 17.25% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

12.75% - 17.25% depending on your creditworthiness

Interest rates and charges

Penalty2

Introductory Annual Percentage Rate (APR)

3.0% above current interest rate

Annual Percentage Rate (APR)1

3.0% above current interest rate

Signature Visa® with Rewards
Signature Visa® with Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-06-2022

See important information about rates and fees Learn more about Signature Visa® with rewards

1 APR will vary with the market based on the prime rate.

2 Penalty APR – This APR may be applied when:

  • Your minimum monthly payment is more than 60 days late, or
  • You have more than one late payment in 12 months, or
  • You are in default of any other terms of the Agreement

How long will the penalty apply? If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.

How to avoid paying interest on purchases: Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). Minimum payment: 2% of outstanding balance or $50.00, whichever is greater. We reserve the right to amend the OnPoint Signature VISA® with Rewards Credit Card Agreement as permitted by law.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

2.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

10.75% - 15.25% depending on your creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

4.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

12.75% - 17.25% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

12.75% - 17.25% depending on your creditworthiness

Interest rates and charges

Penalty2

Introductory Annual Percentage Rate (APR)

3.0% above current interest rate

Annual Percentage Rate (APR)1

3.0% above current interest rate

Platinum Visa® with Rewards
Platinum Visa® with Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-06-2022

See important information about rates and fees Learn more about Platinum Visa® with rewards

1 APR will vary with the market based on the prime rate.

2 Penalty APR – This APR may be applied when:

  • Your minimum monthly payment is more than 60 days late, or
  • You have more than one late payment in 12 months, or
  • You are in default of any other terms of the Agreement

How long will the penalty apply? If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.

How to avoid paying interest on purchases: Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases) minimum payment: 2% of outstanding balance or $10.00, whichever is greater. We reserve the right to amend the OnPoint VISA® Credit Card Agreement as permitted by law.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

3.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

9.75% - 20.25% based on creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

6.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

11.75% - 22.25% based on creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

11.75% - 22.25% based on creditworthiness

Interest rates and charges

Penalty2

Introductory Annual Percentage Rate (APR)

3.0% above current interest rate

Annual Percentage Rate (APR)1

3.0% above current interest rate

Platinum Visa®
Platinum Visa®

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-06-2022

See important information about rates and fees Learn more about Platinum Visa®

1 APR will vary with the market based on the prime rate.

2 Penalty APR – This APR may be applied when:

  • Your minimum monthly payment is more than 60 days late, or
  • You have more than one late payment in 12 months, or
  • You are in default of any other terms of the Agreement

How long will the penalty apply? If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.

How to avoid paying interest on purchases: Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases) minimum payment: 2% of outstanding balance or $10.00, whichever is greater. We reserve the right to amend the OnPoint VISA® Credit Card Agreement as permitted by law.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

3.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

8.75% - 19.25% based on creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

6.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

10.75% - 21.25% based on creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

10.75% - 21.25% based on creditworthiness

Interest rates and charges

Penalty2

Introductory Annual Percentage Rate (APR)

3.0% above current interest rate

Annual Percentage Rate (APR)1

3.0% above current interest rate

Get the convenience, flexibility and security you need with an OnPoint Visa® credit card.

More than just a card. An OnPoint Visa Credit Card will give you the tools to manage your money with convenience and confidence. With OnPoint, you’ll find a credit card with the great rates, perks, and security you want from a credit union you’ll love.

Freeze card

Don’t stress if you can’t find your card. If it is lost or stolen, you can freeze it right from your smartphone or laptop.

Card replacement

When you need a replacement card in a pinch, we’ll ship you a new one right away.

Transaction alerts

Set up alerts to monitor unusual activity and purchases.

Overdraft protection

Protect yourself from overdrafts and get more peace of mind by linking your credit card.

close_quote_large close_quote_large

OnPoint came very highly recommended by friends in the area. In the short time since I became a member, I have found their services and customer support to be outstanding.

- James Q.

OnPoint Visa® credit card—making more possible.

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. Credit card benefits such as “Rewards” are not deposits of OnPoint Community Credit Union, are not insured by the NCUA and are not guaranteed by OnPoint Community Credit Union.

Signature Visa with Cash Back Rewards
To earn the $100 bonus this must be a new Visa relationship. Bonus does not apply to existing Visa loans that are transferred or converted to a Signature Visa with Cash Back Rewards card. To qualify for a Signature Visa with Cash Back Rewards card you must maintain qualifications for OnPoint Bundle Rewards. To qualify for Bundle Rewards you must be an existing member of OnPoint Community Credit Union. If you are an existing OnPoint member and you do not yet have Bundle Rewards, please visit your nearest branch or go to onpointcu.com/rates-rewards/bundle-rewards to see if you qualify. Cash back rewards are credited annually in November to your open OnPoint checking account. If you close your OnPoint checking account before rewards are paid, even if your Signature Visa with Cash Back Rewards loan is active, you will forfeit your rewards for that year. To be eligible for this bonus offer, credit card account must be open and not in default at the time of fulfillment. All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Signature Credit Card Agreement. For more information regarding all the extra benefits offered, view the OnPoint Signature Visa with Rewards Guide to Benefits.

Signature Visa with Rewards
All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Signature Credit Card Agreement. For more information regarding all the extra benefits offered, view the OnPoint Signature Visa with Rewards Guide to Benefits.

Platinum Visa and Platinum Visa with Rewards
All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Credit Card Agreement.

  1. Zero Liability: Subject to conditions in the Visa Credit Card Agreement.
  2. Travel and accident insurance: Purchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.
  3. Travel reimbursement:  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.
  4. Roadside assistance:  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.
  5. Warranty manager:  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.
  6. Emergency medical & dental: 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.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.

Cancel Accept