Platinum Visa® Credit Card with Rewards
Earn 1 point for every $1 you spend.
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.
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.
Card details
Unlimited points & bonus offer
Earn 1 point for every $1 you spend.
Low introductory APR offer
3.99% introductory APR for 6 months from account opening and 6.99% introductory APR on balance transfers for 12 months from account opening.
Get 5,000 bonus points when you spend at least $500 on your new card within the first 90 days.
Other features
Balance transfers
To request a credit card balance transfer, please call us 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.
Rates
Interest rates and charges | Introductory Annual Percentage Rate (APR) | Annual Percentage Rate (APR)1 |
|---|---|---|
Rates Effective: 07-23-2026 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. How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. 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). See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. | ||
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 12.50% - 23.00% based on creditworthiness |
Interest rates and charges Balance transfers | Introductory Annual Percentage Rate (APR) 6.99% introductory APR on balance transfers for 12 months from account opening | Annual Percentage Rate (APR)1 14.50% - 25.00% based on creditworthiness |
Interest rates and charges Cash advances | Introductory Annual Percentage Rate (APR) N/A | Annual Percentage Rate (APR)1 14.50% - 25.00% based on creditworthiness |
Rewards information
Earning points
Earn 1 point for every $1 you spend.
Redeeming points
Redeem $0.01 per point (e.g., 5,000 points earns $50). Unused points expire after five years. View and redeem your points at www.curewards.com, in Digital Banking, or by calling 800.900.6160 for assistance.
Using your points
Points can be put towards any of the following from the CU Rewards website:
- Airfare, hotels and car rentals
- Vacations and cruises
- Electronics
- Gift cards
- Housewares
- Jewelry
- And more merchandise
Get the convenience, flexibility and security you need with an OnPoint Visa® credit card.
Freeze or replace your card
If your card is lost or stolen, you can freeze it right from your smartphone or laptop. 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.
Apply for and manage your account
Get the convenience, flexibility and security you need with an OnPoint Visa® credit card.
Looking for account information?
Activate your card, enroll in online banking, pay your bill, check your account, and more.
Manage your account
Apply for your OnPoint credit card today
Credit card FAQs
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
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 us at 503.228.7077 or 800.527.3932, or visit any OnPoint branch to request a limit increase.
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.
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:
- 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.
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
*APR = Annual Percentage Rate
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.
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 | Auto Rental Collision Damage Waiver Benefit.
- 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.
*By submitting this form, you agree to OnPoint’s collection and use of the information you provide in accordance with our privacy notice and online privacy policy available here. You also confirm that any information you submit is your own and that you are at least 18 years of age.
