Say goodbye to high-interest debt
Transfer your high-interest debt and save.
Start the new year strong by transferring your high-interest debt to an OnPoint Community Credit Union Visa credit card from January 1 to February 28, 2025, and save more in 2025.
1.99% APR for 12 months*
Enjoy a low introductory APR of 1.99% for the first 12 months on balance transfers.
No-fee balance transfer
Take advantage of our no-fee balance transfer and save more when you switch to OnPoint.
Start your balance transfer today
Consolidate bills, reduce debt, save on interest, and free up cash with lower monthly payments.
Looking for a new card?
It’s never been easier to find a credit card that fits your lifestyle, all from your local community credit union. 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.
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 10,000 bonus points when you spend at least $1,000 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
Ready to start saving and earning more? Here’s how to apply.
- 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
OnPoint Visa credit card—making more possible.
Disclosures
*Promotional offer valid 1/1/25 – 2/28/25 and subject to change. All OnPoint credit cards are subject to credit approval.
The 1.99% promotional Annual Percentage Rate (APR) applies to balance transfers for the first 12 months of the transfer. Then, the balance transfer APR will increase to the APR for cash advances: 14.50% to 25.00% (Platinum Visa), 15.50% to 26.00% (Platinum Visa with Rewards), or 16.50% to 27.00% (Signature Visa with Rewards and Signature Visa with Cash Back Rewards) based upon credit qualifications. All rates current as of 1/1/25 are variable and subject to change. Balance transfer must be completed by 2/28/25. Offer open to new and existing OnPoint credit card accounts. The promotional balance transfer offer excludes paying existing OnPoint lines/loans. Promotional APR may end as indicated in the OnPoint Visa Credit Card Agreement or OnPoint Visa Signature Credit Card Agreement. All terms including APRs and fees may change as permitted by law and the OnPoint Visa Credit Card Agreement or OnPoint Visa Signature Credit Card Agreement.
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.
