Signature Visa® Credit Card with Cash Back Rewards

Earn 2% cash back on all purchases and a $100 bonus.

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
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
OnPoint Signature Credit Card with Cash Back Rewards
No annual fee
Purchase APR*:
15.25% - 25.75% depending on your creditworthiness

Cash back on all purchases

Earn 2% cash back on all purchases and a $100 bonus.

Low introductory APR offer

2.99% introductory APR for 6 months from account opening and 4.99% introductory APR for 12 months from account opening.

Other features

No annual fee

Zero fraud liability

Online access and 24-hour support

No foreign transaction fee1

Travel and accident insurance2

Premium travel insurance

Baggage reimbursement

Travel reimbursement3

Roadside assistance4

Double warranty periods5

Emergency medical and dental6

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: 10-09-2024

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.

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 you 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)

2.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

15.25% - 25.75% 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% - 27.75% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

17.25% - 27.75% depending on your creditworthiness

Rewards information

Earning cash back

Earn 2% cash back on all purchases.

Redeeming cash back

Your rewards are redeemed automatically for cash annually and deposited to your OnPoint Checking account.

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
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

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.
OnPoint no longer offers gift cards.

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.
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 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.
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 us 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 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
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
Follow the steps below to enroll in alerts for your OnPoint Visa Credit Card:
  1. OnPoint Mobile App(https://www.onpointcu.com/#headerlogin>Log into Digital Banking or the <a href=).
  2. Select your OnPoint Credit Card account tile.
  3. Select the Details & Settings heading, then select click here to visit under "Payment Options and Loan Info."
  4. From the OnPoint Credit Card account home page, select Visa Purchase Alerts on the right under "Quick Links."
  5. 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.
  6. Follow the remaining prompts and toggle the alerts you would like to enable.
You can enroll in Visa® Purchase Alerts for your OnPoint Platinum, Platinum with Rewards and Signature Visa consumer Credit Cards.

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 can notify OnPoint of your upcoming travels online to minimize interruptions when using your credit or debit card while you're away. Simply log into Digital Banking, select Services from the main menu, then select Travel Notifications. Select the card(s) you'll be traveling with and provide the destination(s) and date range of your trip.
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.
Yes, we offer a Platinum Visa with Rewards credit card and a Signature Visa with Rewards credit card. You can redeem rewards points for cash, airline tickets, cruises, hotel rooms, rental cars or tons of great merchandise.
We also offer the Signature Visa with Cash Back Rewards, earning you 2% on every purchase.
The exchange rate is processed by VISA. VISA uses the Foreign Exchange Board for their calculations. The rates change during the day and VISA uses the best rate, of that day.

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

*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.

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 Rewards. To qualify for OnPoint 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 OnPoint Rewards, please visit your nearest branch or go to onpointcu.com/rates-rewards/Onpoint-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.

  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.

 

 

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