credit cards-onpoint signature visa being held in local apartment

Credit cards

More flexibility. More possibilities. More rewards.
Apply onlineExisting OnPoint member? Apply here.

Apply in Digital Banking

As an existing OnPoint member, applying for a credit card is easy!

  1. Log into Digital Banking.
  2. Select Apply for a Loan from the main menu.
  3. Choose Consumer Loan to begin.

Apply in Digital Banking

Log in to get started

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.

couple traveling enjoying anywhere access with their OnPoint credit card-walking up a mountain near a small coastal town

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.

Apply today

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

  • 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

  • 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

  • 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

  • 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

  • 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 more

  • Points 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 more

  • Points availability

    Unused points expire after five years.

Rates

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: 07-01-2022

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

10.75% - 15.25% 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

12.75% - 17.25% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

12.75% - 17.25% 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

Signature Visa® with Rewards
Signature Visa® with Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-01-2022

See important information about rates and fees 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, 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

10.75% - 15.25% 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

12.75% - 17.25% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

12.75% - 17.25% 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

Platinum Visa® with Rewards
Platinum Visa® with Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-01-2022

See important information about rates and fees 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, 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 $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

9.75% - 20.25% 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

11.75% - 22.25% based on creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

11.75% - 22.25% 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

Platinum Visa®
Platinum Visa®

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-01-2022

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:

  • 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 $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

8.75% - 19.25% 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

10.75% - 21.25% based on creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

10.75% - 21.25% 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

Yes, you can use your OnPoint Visa Credit and Debit Cards when traveling within or outside of the U.S. Before traveling, be sure to notify OnPoint of your travel plans - even if you are only traveling to another state or to Canada or Mexico.

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.
Yes, OnPoint offers Visa Gift Cards that can be used anywhere Visa is accepted.

Purchase a Visa Gift Card

You can purchase a Visa Gift Card at your nearest OnPoint branch in any amount from $25.00 to $500.00. The fee to purchase each Gift Card is $4.95.

Select from one of many gift card designs, then be sure to register and activate your card at https://thegiftcardmanager.com/ before you begin using the card. You can also see your current balance here once you have activated your card.

Note: If you have an OnPoint Gift Card that you activated prior to July 26, 2021 you will need to create a new gift card login using the "Activate & register" link.
Please contact OnPoint's Cardholder Services at 1.866.820.3101 in order to file a claim against a transaction, deactivate your credit card, or issue a new credit card to you. You can also freeze your OnPoint credit card within Digital Banking. (Please note, this will prevent all transactions from posting to the card, not just those from the merchant in question.) To do this, simply log in and select your card within the Credit Card Management tile on the right side. On mobile, first select the "More" button on the right to access Credit Card Management.
To request a credit card balance transfer, please call Member Services at 503.228.7077 or 800.527.3932. You may also visit any local OnPoint branch and a representative will be happy to assist you.
View and redeem your points at www.curewards.com or call 800.900.6160 for assistance. You may also redeem your points through Digital Banking:
  1. Log into Digital Banking
  2. Select your OnPoint credit card from the Account Summary page.
  3. Select the Details & Settings heading.
  4. Select Click here to visit below "Payment Options and Loan Info."
  5. 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.
  6. Click the CU Rewards logo to redeem your points for airline tickets, hotel rooms, rental cars, cash or merchandise.
You may request a limit increase online:
  • 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 call Member Services at 503.228.7077 or 800.527.3932, or visit any OnPoint branch to request a limit increase.
If your Visa Credit Card was lost or stolen, report it immediately by calling 24-Hour Credit Card Support. If you have a Platinum Visa or Platinum Visa with Rewards card call 866.820.3101. If you have a Signature Visa with Rewards card, call 866.820.5831.

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 Member Services 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
Also, known as CVV number, the Security Code is used to help verify the card is in your possession.

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.
Yes! You can make your credit card payment in Digital Banking.

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.
Additionally, you can make a payment by directly transferring funds from your checking or savings account to your OnPoint credit card. To do this, log into Digital Banking, then:
  • 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.
Yes! You can use your OnPoint Visa Credit and Debit Cards when traveling within or outside of the U.S.

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

Make more possible with your OnPoint Visa.

Get started today.

Apply online

Stop by an OnPoint branch.

Find a nearby location or ATM

Apply at your local branch.

Schedule a branch appointment

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. 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.

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.

You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.

Cancel Accept