Credit cards
Apply in Digital Banking
As an existing OnPoint member, applying for a credit card is easy!
- Log into Digital Banking.
- Select Apply for a Loan from the main menu.
- Choose Consumer Loan to begin.
Local credit cards accepted worldwide.
It’s never been easier to find a credit card that fits your lifestyle, all from your local community credit union. With all OnPoint cards, you’ll get a low variable rate, no annual fee, zero fraud liability1, and more.
The freedom to choose what's best for you.
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.
Spend securely without worrying about how much cash you have on hand or even get a cash advance when you need it. Pay your balance now or later and track your spending online each month using OnPoint’s Digital Banking and mobile app. We make choosing a credit card option simple from the start.
Apply for your OnPoint credit card today
Get the convenience, flexibility and security you need with an OnPoint Visa® credit card.
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.
Introducing the OnPoint Signature Visa® with Cash Back Rewards.*
Earn 2% cash back. Cash back is available on all purchases.
Get a $100 bonus. Spend at least $1,000 on your new card within the first 90 days and receive a $100 bonus.
No limit on rewards. There’s no cap on how much you can earn with cash back rewards and no annual fee.
*Must be eligible for Bundle Rewards. Additional restrictions apply, see below for details.
Compare credit cards
Best for:
Best for:
No annual fee
No annual fee
Zero fraud liability1
Zero fraud liability1
Online access & 24-hour support
Online access & 24-hour support
Rewards
(see below for details)Rewards
(see below for details)No foreign transaction fee
No foreign transaction fee
Travel and accident insurance2
Travel and accident insurance2
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 Cash Back Rewards
Best for:
Members with multiple OnPoint products or services and earning 2% cash back on all purchases. (Must be eligible for Bundle Rewards.)
No annual fee
Zero fraud liability1
Online access & 24-hour support
Rewards
(see below for details)No foreign transaction fee
Travel and accident insurance2
Premium travel insurance
Baggage reimbursement
Travel reimbursement3
Roadside assistance4
Warranty manager (doubles warranty periods)5
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.
No annual fee
Zero fraud liability1
Online access & 24-hour support
Rewards
(see below for details)No foreign transaction fee
Travel and accident insurance2
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.
No annual fee
Zero fraud liability1
Online access & 24-hour support
Rewards
(see below for details)No foreign transaction fee
Travel and accident insurance2
Premium travel insurance
Baggage reimbursement
Travel reimbursement3
Roadside assistance4
Warranty manager (doubles warranty periods)5
Emergency medical & dental6
Platinum Visa®
Best for:
Taking advantage of low variable rates with no annual fee.
No annual fee
Zero fraud liability1
Online access & 24-hour support
Rewards
(see below for details)No foreign transaction fee
Travel and accident insurance2
Premium travel insurance
Baggage reimbursement
Travel reimbursement3
Roadside assistance4
Warranty manager (doubles warranty periods)5
Emergency medical & dental6
Compare rewards
Best for:
Best for:
Earning rewards points
Earning rewards points
Redeeming rewards points
Redeeming rewards points
Points availability
Points availability
Signature Visa® with Cash Back Rewards
Best for:
Earning 2% cash back on all purchases. Your rewards are redeemed automatically for cash annually and deposited to your OnPoint Checking account.
Earning rewards points
There's no points to track. Simply earn 2% cash back on every purchase.
Redeeming rewards points
Cash back rewards are automatically deposited every year, so there's no need to track and redeem any points.
Points availability
N/A
Signature Visa® with Rewards
Best for:
Earning more points and premium rewards. Plus, your points accrue faster and never expire.
Earning rewards 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.Redeeming rewards points
Travel: Airfare, Car Rentals, Hotels, Vacations and Cruises
Cash: $0.01 per point (5,000 points earns $50)
Merchandise: Electronics, Gift Cards, Housewares, Jewelry and morePoints availability
Points never expire.
Platinum Visa® with Rewards
Best for:
Earning points on every purchase.
Earning rewards points
Earn 1 point for every $1 you spend.
Redeeming rewards points
Travel: Airfare, Car Rentals, Hotels, Vacations and Cruises
Cash: $0.01 per point (5,000 points earns $50)
Merchandise: Electronics, Gift Cards, Housewares, Jewelry and morePoints availability
Unused points expire after four years.
Rates
Interest rates and charges | Introductory Annual Percentage Rate (APR) | Annual Percentage Rate (APR)1 |
|---|---|---|
Rates Effective: 09-26-2023 See important information about rates and fees Learn more about Signature Visa® with cash back rewards1 APR will vary with the market based on the prime rate. 2 Penalty APR – This APR may be applied when:
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 15.25% - 19.75% 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 17.25% - 21.75% depending on your creditworthiness |
Interest rates and charges Cash advances | Introductory Annual Percentage Rate (APR) N/A | Annual Percentage Rate (APR)1 17.25% - 21.75% 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 |
Interest rates and charges | Introductory Annual Percentage Rate (APR) | Annual Percentage Rate (APR)1 |
|---|---|---|
Rates Effective: 09-26-2023 See important information about rates and fees Learn more about Signature Visa® with rewards1 APR will vary with the market based on the prime rate. 2 Penalty APR – This APR may be applied when:
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 15.25% - 19.75% 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 17.25% - 21.75% depending on your creditworthiness |
Interest rates and charges Cash advances | Introductory Annual Percentage Rate (APR) N/A | Annual Percentage Rate (APR)1 17.25% - 21.75% 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 |
Interest rates and charges | Introductory Annual Percentage Rate (APR) | Annual Percentage Rate (APR)1 |
|---|---|---|
Rates Effective: 09-26-2023 See important information about rates and fees Learn more about Platinum Visa® with rewards1 APR will vary with the market based on the prime rate. 2 Penalty APR – This APR may be applied when:
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 $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 | Introductory Annual Percentage Rate (APR) 3.99% introductory APR for 6 months from account opening | Annual Percentage Rate (APR)1 14.25% - 24.75% based on creditworthiness |
Interest rates and charges Balance transfers | Introductory Annual Percentage Rate (APR) 6.99% introductory APR for 12 months from account opening | Annual Percentage Rate (APR)1 16.25% - 26.75% based on creditworthiness |
Interest rates and charges Cash advances | Introductory Annual Percentage Rate (APR) N/A | Annual Percentage Rate (APR)1 16.25% - 26.75% based on 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 |
Interest rates and charges | Introductory Annual Percentage Rate (APR) | Annual Percentage Rate (APR)1 |
|---|---|---|
Rates Effective: 09-26-2023 See important information about rates and fees 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:
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 $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 | Introductory Annual Percentage Rate (APR) 3.99% introductory APR for 6 months from account opening | Annual Percentage Rate (APR)1 13.25% - 23.75% based on creditworthiness |
Interest rates and charges Balance transfers | Introductory Annual Percentage Rate (APR) 6.99% introductory APR for 12 months from account opening | Annual Percentage Rate (APR)1 15.25% - 25.75% based on creditworthiness |
Interest rates and charges Cash advances | Introductory Annual Percentage Rate (APR) N/A | Annual Percentage Rate (APR)1 15.25% - 25.75% based on 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 |
Credit card FAQs
Simply log into Digital Banking and select Services from the main menu. Then select Travel Notifications, choose the cards you'll be traveling with and provide your travel dates and destinations.
We'll note this information to ensure uninterrupted usage of your OnPoint Visa Credit and Debit cards while you are away.
If you have an existing OnPoint Visa Gift Card, it may still be used. You can register and activate your card at https://thegiftcardmanager.com/. Once the card is activated, you can also visit this link to see your current balance.
- Log into Digital Banking
- Select your OnPoint credit card from the Account Summary page.
- Select the Details & Settings heading.
- Select Click here to visit below "Payment Options and Loan Info."
- Then, click the Rewards button on the right side of the credit card Account Home page to register your card and redeem your points. Note: If you're already registered, your Available Point Balance will display after clicking the Rewards button.
- Click the CU Rewards logo to redeem your points for airline tickets, hotel rooms, rental cars, cash or merchandise.
- Log into Digital Banking.
- Select Apply for a Loan from the main menu and choose Other Consumer Loan.
- If you have multiple memberships, select the membership that includes your credit card.
- Select Apply for a Credit Card.
- Once in the application, be sure to choose Credit Limit Increase as the general purpose of the application.
You can also freeze your OnPoint credit card. Log into Digital Banking or the OnPoint Mobile app and select the "More" button on the right-hand side to access the Credit Card Management tool and freeze your credit card.
To obtain emergency assistance while traveling (24/7), call the Visa Assistance Center. If you're within the U.S., call toll-free 800.VISA.911. If you're outside the U.S., call collect 410.581.9994.
If your Visa Debit Card or ATM Card has been lost or stolen, please notify OnPoint immediately! Call us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9:00 a.m. to 3:00 p.m.)
After hours support: 833.337.6075
**Out of the country (Collect)**614.564.3075
The three-digit security code can be found on the back of your debit card to the right of your signature. If the three-digit code is no longer legible, please visit an OnPoint branch or contact us to order a replacement card.
Within Digital Banking you can make a one-time payment or set up a recurring payment.
- Log into Digital Banking.
- Click on your credit card listed on the Home screen (Account Summary).
- Select the Details & Settings tab and click the link under Payment Options and Loan Info
- Next, click the Make a Payment link to select payment parameters.
- Select Payments & Transfers from the main menu.
- Select Account Transfer
- Complete the requested fields including the "From Account" (typically your checking account), the "To Account" (your credit card), the Payment Amount, the Frequency and the Transfer Date.
Charges for ATM use in a foreign country may vary based on the ATM provider. Click here to view potential ATM or foreign transaction fees.
Notify us of your travel plans!
If you plan to use your OnPoint credit and debit cards while traveling, notify OnPoint before you go:
- Log in to Digital Banking
- Select Services from the main menu
- Select Travel Notifications
- Choose the cards you'll be traveling with and provide your travel dates and destinations
- OnPoint Mobile App(https://www.onpointcu.com/#headerlogin>Log into Digital Banking or the <a href=).
- Select your OnPoint Credit Card account tile.
- Select the Details & Settings heading, then select click here to visit under "Payment Options and Loan Info."
- From the OnPoint Credit Card account home page, select Visa Purchase Alerts on the right under "Quick Links."
- On the Visa Purchase Alerts page, select Check Eligibility and enter the requested information, starting with the first 9 digits of your OnPoint Credit Card.
- Follow the remaining prompts and toggle the alerts you would like to enable.
How does it work? Visa Purchase Alerts help keep your account secure by sending you an email or text in real-time when a transaction takes place. The alert immediately identifies potentially fraudulent transactions. You can set alerts for transactions over a specific amount, transactions made online or by phone when your card is being used outside the U.S. and more!
Your Security is Top Priority
Visit our Security Center for information on our digital system security, preventing fraud, identity theft protection, and more!
You may also redeem your points through Digital Banking:
- Log into Digital Banking
- Select your OnPoint credit card from the Account Summary page.
- Select the Details & Settings heading.
- Select Click here to visit below "Payment Options and Loan Info."
- Then, click the Rewards button on the right side of the credit card Account Home page to register your card and redeem your points. Note: If you're already registered, your Available Point Balance will display after clicking the Rewards button.
- Click the CU Rewards logo to redeem your points for airline tickets, hotel rooms, rental cars, cash or merchandise.
We also offer the Signature Visa with Cash Back Rewards, earning you 2% on every purchase.
Make more possible with your OnPoint Visa.
Get started today.
Apply onlineStop by an OnPoint branch.
Find a nearby location or ATMApply at your local branch.
Schedule a branch appointmentDisclosures
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.
- Subject to conditions in the Visa Credit Card Agreement.
- Purchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.
- 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.
- 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.
- 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.
- 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.