
2% cash back on all purchases—does your card do that? Your next card can.
Signature service, great rewards. Local lending that exceeds expectations.
It’s never been easier to find a credit card that fits your lifestyle. When you open a Signature Visa with Cash Back Rewards from OnPoint Community Credit Union, you’ll get a card that offers:

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

$100 bonus
Get a $100 bonus when you spend at least $1,000 on your new card within the first 90 days.

No annual fee
There’s no cap on how much you can earn with cash back rewards and no annual fee.
Additionally you'll benefit from:
A low variable rate
Get an introductory APR (annual percentage rate) of 2.99% for the first 6 months. Then, as low as 14.25% variable APR.
Zero fraud liability
With zero fraud liability, you’re not responsible for unauthorized charges on your card.
Online access & 24-hour support
Enjoy convenient online access and 24-hour support to manage your account anytime, anywhere.
Travel and accident insurance
Enjoy peace of mind with comprehensive travel and accident insurance coverage.
From rewards to rates, get a card that’s built around you.
With flexible options and leading features and benefits, finding your ideal card has never been easier. Let’s help you make the perfect choice. Plus, after applying, you’ll get to choose from any card you qualify for.

Signature Visa with Cash Back Rewards
Earn 2% cash back on all purchases and a $100 bonus.
There’s no limit on rewards, and cash back rewards are automatically deposited every year.
Must have multiple OnPoint accounts.
No annual fee.

Signature Visa with Rewards
Earn 3X points for travel, 2X points for dining, and 1.25X points on everything else for every $1 you spend.
Get 10,000 bonus points when you spend at least $1,000 on your new card within the first 90 days.
Points never expire.
No annual fee.

Platinum Visa with Rewards
Earn 1 point for every $1 you spend.
Get 5,000 bonus points when you spend at least $500 on your new card within the first 90 days.
Unused points expire after four years.
No annual fee.

Platinum Visa
Take advantage of low variable rates.
Best card option for those with lower credit scores.
No annual fee.
The freedom to choose what’s best for you.
More flexibility. More possibilities. More rewards. OnPoint has the options to provide you with the right card for your life. Apply for one of OnPoint’s credit cards today. Once approved, visit one of our 57 branches to initiate a balance transfer.
All OnPoint credit cards feature:
- A low variable rate
- Zero fraud liability
- No annual fee
- Online access & 24-hour support
- Travel and accident insurance
How to apply for a Credit Union credit card.
- Be a legal U.S. resident
- Be at least 18 years old (To open a youth membership, please visit an OnPoint branch)
- Have a Social Security Number
- If you’re applying online, have a debit or credit card to fund your account(s)
- Have a government issued ID (Driver’s License, State ID card, Passport. Permanent Resident Card, Military ID card)
Credit union membership also involves a connection to a community. You’re eligible to join OnPoint if you meet the eligibility requirements.

Apply for your OnPoint credit card today
; What it means to join a credit union.
You’re joining a community, not a bank. As a not-for-profit financial cooperative, OnPoint offers fewer fees and better rates on loans and deposit accounts, with a commitment to providing greater financial access to our neighbors.

Dedication to education
We honor our roots by honoring teachers.

Community banking
You’re working with an organization committed to reinvesting in our communities and schools.

Green Horizons
We’re doing our part to help build a more sustainable future.

End-to-end financial resources
Free financial counseling with GreenPath.
Get more with an OnPoint membership.
When you join a credit union, you get more than competitive rates on credit cards and auto loans. OnPoint offers all the financial services and resources you need to meet your financial goals, including:
- Personal checking & savings accounts.
- Certificates of deposit (CDs) and high-yield savings accounts.
- First mortgages and home equity loans and lines of credit.
- Investment services.
- Low fees and competitive rates.
- Free financial education.
- Free financial counseling.
Helping you reach your goals is what we’re all about. That’s why we provide the financial education and guidance our members need to feel comfortable and capable when it comes to tackling their financial goals.

- Denney.I love OnPoint because they have always had my back when it comes to transaction disputes, and they also helped me start my own transportation business. I sincerely appreciate the exemplary customer service at this branch. Thank you for everything!
OnPoint Visa credit cards—making more possible.
Disclosures
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 Rewards. To qualify for OnPoint 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 OnPoint Rewards, please visit your nearest branch or go to https://www.onpointcu.com/rates-rewards/onpoint-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.
- Zero Liability: Subject to conditions in the Visa Credit Card Agreement.
- Travel and accident insurance: Purchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.
- 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.
- 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.
- 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.
- 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.