Business credit cards

Earn more on your business spending.

Platinum Visa® with Rewards

When you purchase the items your business needs—whether it’s a plane ticket or more inventory—your business earns reward points that go right back to helping achieve your goals.

Earn more points

Earn 1 point for every $1 you spend. Redeem for cash, airfare, rentals and more.

Low, variable rates

Get the purchasing power you want, without hurting your profit goals.

Worldwide access

Wherever your business takes you, your OnPoint business card is always accepted.

Cash advances

Access the cash you need, right when you need it.

Enjoy the added flexibility and support of an OnPoint business credit card.

Zero liability1

If fraudulent charges are made with your card or account, we will work with you to make it right.

Freeze your card

If your card is lost or stolen, you can freeze it right from your smartphone or laptop.

24-hour support

Call 866.820.3101 to make balance transfers and ask any questions you have.

Card replacement

If your card is lost or stolen, you can get emergency cash and card replacement.

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A reliable and trustworthy credit union with excellent service in person or online.

- Peter S.


Business Platinum Visa® with Rewards
Business Platinum Visa® with Rewards

Interest Rates and Charges

Annual Percentage Rate (APR)1

Rates Effective: 06-04-2023

See important information about rates and fees Learn more about business 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.

Grace period for repayment of purchase balance: 25 days

Method of computing the balance for purchases: Average daily balance method (including new purchases)

Interest Rates and Charges


Annual Percentage Rate (APR)1

14.00% - 24.50% depending on your creditworthiness.

Interest Rates and Charges

Balance transfers

Annual Percentage Rate (APR)1

16.00% - 26.50% depending on your creditworthiness.

Interest Rates and Charges

Cash advances

Annual Percentage Rate (APR)1

16.00% - 26.50% depending on your creditworthiness.

Interest Rates and Charges


Annual Percentage Rate (APR)1

3.0% above current interest rate.2

Apply for your OnPoint business credit card today.

Stop by an OnPoint branch.

Find a nearby location or ATM

Give us a call.


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

  1. Subject to conditions in the Business Visa Credit Card Agreement.

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.



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