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OnPoint Signature Visa® with Cash Back Rewards

Earn more with every purchase.

2% cash back makes great purchases even greater.

OnPoint Signature Visa® with Cash Back Rewards empowers you to earn 2% cash back with every purchase. Available when you qualify through Bundle Rewards.

Apply online today
OnPoint Signature Visa with Cash Back Rewards card held in woman's hand

2% cash back

Cash back is available on all purchases.

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$100 bonus

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

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No annual fee

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

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Low rate

Get an introductory APR (annual percentage rate) of 2.99% for the first 6 months. Then, as low as 11.50% variable APR.

Get the convenience and security you need.

The OnPoint Signature Visa with Cash Back Rewards credit card comes with the tools to manage your money with convenience and confidence. Plus it comes 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.

Additional card benefits.

  • Online access and 24-hour support
  • Zero liability1
  • Travel and accident insurance2
  • No foreign transaction fee
  • Premium travel insurance
  • Travel reimbursement3
  • Baggage reimbursement
  • Roadside assistance4
  • Warranty manager5 (doubles your warranty periods)
  • Emergency medical and dental6
Apply online today

Complete rate details

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: 08-19-2022

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

11.50% - 16.00% 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

13.50% - 18.00% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

13.50% - 18.00% 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

Apply for your OnPoint credit card today

Saving with Bundle Rewards is easy!

OnPoint Bundle Rewards allows you access to the Signature Visa with Cash Back Rewards card along with extra loan discounts and account perks on the services you use!

There are lots of ways to bundle with us and all of them are rewarding.

To get started, all you need is an OnPoint savings account – which comes with every membership – and a checking account with e-statements or direct deposit, plus any two of the listed products or services.

With your cash back card, you’re halfway there—it will count as one of two products!

Apply online today
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Add any two of the following to qualify.

  • OnPoint Credit Card
  • Auto Loan
  • Mortgage
  • Home Equity Line of Credit
  • Personal Line of Credit
  • Bundle Rewards Savings Account
  • Certificate of Deposit
  • IRA Savings Account
  • HSA Checking account
  • Investments
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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.

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