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Credit Cards

More flexibility. More possibilities. More rewards.

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

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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.

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Emergency Replacement

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

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Transaction Alerts

Set up alerts to monitor unusual activity and purchases.

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Overdraft Protection

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

Plus, all our cards come with:

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No Annual Fee

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Zero Liability1

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Travel and Accident Insurance2

Compare Credit Cards

  • Best for:

    Best for:

  • Rewards

    Rewards

  • Online & Mobile Access

    Online & Mobile Access

  • No foreign transaction fee

    No foreign transaction fee

  • Premium Travel Insurance

    Premium Travel Insurance

  • Baggage Reimbursement

    Baggage Reimbursement

  • Travel Reimbursement3

    Travel Reimbursement3

  • 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 Rewards

  • Best for:

    Earning more points faster. Get 3 points for every purchase on travel, 2 points on dining and 1.25 points on everything else. Your points never expire and you can redeem them for premium rewards.

  • Rewards

  • Online & Mobile Access

  • No foreign transaction fee

  • Premium Travel Insurance

  • Baggage Reimbursement

  • Travel Reimbursement3

  • 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.

  • Rewards

  • Online & Mobile Access

  • No foreign transaction fee

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  • Premium Travel Insurance

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  • Baggage Reimbursement

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  • Travel Reimbursement3

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  • Roadside Assistance4

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  • Warranty Manager (Doubles warranty periods)5

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  • Emergency Medical & Dental6

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Platinum Visa®

  • Best for:

    Taking advantage of low variable rates with no annual fee.

  • Rewards

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  • Online & Mobile Access

  • No foreign transaction fee

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  • Premium Travel Insurance

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  • Baggage Reimbursement

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  • Travel Reimbursement3

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  • Roadside Assistance4

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  • Warranty Manager (Doubles warranty periods)5

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  • Emergency Medical & Dental6

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Compare Rewards

  • Best for:

    Best for:

  • Earning points

    Earning points

  • Points Availability

    Points Availability

Signature Visa® with Rewards

  • Best for:

    Earning more points and premium rewards. Plus, your points accrue faster and never expire.

  • Earning 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.

  • Points Availability

    Points never expire.

Platinum Visa® with Rewards

  • Best for:

    Earning points on every purchase.

  • Earning points

    Earn 1 point for every $1 you spend.

  • Points Availability

    Unused points expire after five years.

Use your reward points on just about anything.

  • Travel

    Redeem your points for free airline tickets (or apply toward the price of a ticket), car rentals, hotels, vacations and cruises.

  • Cash

    Earn $0.01 per point and use your points to pay toward your card balance, deposit to your account or donate to your favorite charity.

  • Merchandise

    Use your points to purchase electronics, gift cards, housewares, jewelry and more.

Rates

Signature Visa® with Rewards
Signature Visa® with Rewards

Interest Rates and Charges

Intro APR

APR1

Rates Effective: 06-20-2019

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
  • You have more than one late payment in 12 months
  • 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: 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

Intro APR

2.99% for introductory period of 6 months

APR1

12.25% - 16.75% depending on your credit worthiness

Interest Rates and Charges

Balance Transfers

Intro APR

4.99% introductory APR for 12 months from account opening

APR1

14.25% - 18.75% depending on your credit worthiness

Interest Rates and Charges

Cash Advances

Intro APR

N/A

APR1

14.25% - 18.75% depending on your credit worthiness

Interest Rates and Charges

Penalty2

Intro APR

N/A

APR1

3.0% above current Interest Rate

Platinum Visa® with Rewards
Platinum Visa® with Rewards

Interest Rates and Charges

Intro APR

APR1

Rates Effective: 06-20-2019

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
  • You have more than one late payment in 12 months
  • 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: 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

Intro APR

3.99% for introductory period of 6 months

APR1

11.25% - 21.75% based on credit worthiness

Interest Rates and Charges

Balance Transfers

Intro APR

6.99% introductory APR for 12 months from account opening

APR1

13.25% - 23.75% based on credit worthiness

Interest Rates and Charges

Cash Advances

Intro APR

N/A

APR1

13.25% - 23.75% based on credit worthiness

Interest Rates and Charges

Penalty2

Intro APR

N/A

APR1

3.0% above current Interest Rate

Platinum Visa®
Platinum Visa®

Interest Rates and Charges

Intro APR

APR1

Rates Effective: 06-20-2019

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
  • You have more than one late payment in 12 months
  • 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: 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

Intro APR

3.99% for introductory period of 6 months

APR1

10.25% - 20.75% based on credit worthiness

Interest Rates and Charges

Balance Transfers

Intro APR

6.99% introductory APR for 12 months from account opening

APR1

12.25% - 22.75% based on credit worthiness

Interest Rates and Charges

Cash Advances

Intro APR

N/A

APR1

12.25% - 22.75% based on credit worthiness

Interest Rates and Charges

Penalty2

Intro APR

N/A

APR1

3.0% above current Interest Rate


Credit Card FAQs

Make more possible with your OnPoint Visa.

Stop by an OnPoint branch.

Find your nearest location

Apply online.

Get started today

Give us a call.

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.

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 Subject to conditions in the Visa Credit Card Agreement.
2 Purchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.
3 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 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 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 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.

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