A great local credit card should provide the convenience and peace of mind you need, with the perks and rewards you deserve. With better rates, no hidden fees, and built-in security features, our suite of OnPoint Visa® cards delivers the purchasing power to bring your dreams to life.
Enjoy premium reward options, exclusive VIP access, discounts and more. Plus for every dollar you spend, earn: 3 points on travel, 2 points on dining, and 1.25 points on everything else. Your points never expire and add up faster than with any other OnPoint card.
Earn one point for every dollar you spend and redeem them for airline tickets, cruises, hotel rooms, rental cars, cash, or plenty of great merchandise.
Perfect for those who want to take advantage of low variable rates and no annual fee whenever and wherever you use your card.
A great choice for those who want the convenience of cash with the safety and security of a prepaid card. Plus, it can be reloaded again and again—$500 at a time with a maximum balance amount of $3,000.1
$50 (Waived for the first year.)
Now through 2/28/18, OnPoint is offering a great way to help you consolidate your holiday debt with a no-fee balance transfer when you transfer your existing balance from a higher-rate card to an OnPoint Visa® credit card. Take advantage of our low promotional rate for the first 12 months. To request your balance transfer, stop by your nearest branch or call Member Services at 503.228.7077 or 800.527.3932.
Click here to apply for an OnPoint Visa credit card.
|Signature Visa with Rewards||Platinum Visa with Rewards||Platinum Visa||Alert Me|
|Promotional Balance Transfer Annual Percentage Rate (APR)||1.99% promotional APR for the first 12 months.
Then, 13.25% - 17.75% standard variable APR applies, based upon credit qualifications. This APR will vary with the market based on the Prime Rate.
|1.99% promotional APR for the first 12 months.
Then, 12.25% - 22.75% standard variable APR applies, based upon credit qualifications. This APR will vary with the market based on the Prime Rate.
|1.99% promotional APR for the first 12 months.
Then, 11.25% - 21.75% standard variable APR applies, based upon credit qualifications. This APR will vary with the market based on the Prime Rate.
|Promotional offer valid 1/1/18 – 2/28/18 and subject to change. The 1.99% promotional APR applies to balance transfers for the first 12 months of the transfer. Then, the balance transfer APRs will increase to the APR for cash advances: 11.25% to 21.75% (Platinum Visa), 12.25% to 22.75% (Platinum Visa with Rewards) or 13.25% to 17.75% (Signature Visa with Rewards) based upon credit qualifications. All rates current as of 2/3/18 are variable and subject to change. Balance transfer must be completed by 2/28/18. Offer open to existing OnPoint credit card accounts when a new balance transfer is initiated. The promotional balance transfer offer excludes paying existing OnPoint loans/lines. All terms, including APRs and fees, may change as permitted by law and OnPoint’s Visa Credit Card Agreement.|
When you share OnPoint, everybody wins. Earn $25 for your friends and business associates.*
Buy and sell foreign currency with OnPoint's foreign currency exchange.
Make the most of your membership with Bundle Rewards. Eligible members receive special benefits and discounts!
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.
1 Visa Reloadable Prepaid Cards are subject to a $15.00 processing fee at the time of purchase. To read the full Visa Reloadable Prepaid Cards terms and conditions, click here.
2 Subject to conditions in the Visa Credit Card Agreement.
3 Purchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.
4 Certain restrictions apply to this benefit. Details accompany your new account materials.
5 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.
6 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.
7 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.
8 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.
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 & PLATINUM VISA WITH REWARDS: All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Credit Card Agreement.
*Double rewards points do not apply to balance transfers or cash advances.
** Visa gift cards are subject to a $4.95 processing fee at the time of purchase. To read the full terms and conditions, click here.
The following are credit card agreements and pricing addendums for credit card programs no longer offered:
Fixed-Rate Platinum Visa Agreement and Pricing Addendum
Fixed-Rate Platinum Visa with Rewards Agreement and Pricing Addendum
Fixed-Rate Platinum Visa Cash Rebate Agreement and Pricing Addendum