Teen Visa® Credit Card
For members ages 13–18, the Teen Visa® Credit Card helps young members build credit and learn valuable financial skills.
Growing, learning, and building through credit
KEY BENEFITS
Build credit experience
Digital wallet ready
Low rates
No annual fee
Zero fraud liability
Why choose an OSCU Teen Visa® credit card?
The Teen Visa® Credit Card is designed to teach financial responsibility in a safe, supportive way, with competitive rates, low limits, and the same protections as our standard Visa cards. A parent or legal guardian must be a joint owner of the teen account until the student turns 18 years old.
Affordable & accessible
- Rates as low as 10.50% APR
- Credit limit of $250–$500
- No annual fee
Learning & access made easy
- Build credit experience early with parental guidance
- Digital wallet ready — add to Apple Pay, Samsung Pay, or Google Pay
- Access to financial education and resources
Built-in protection
- Co-signed credit card with a parent or legal guardian
- Emergency card replacement & cash disbursement
- Zero fraud liability
Support & perks
- Roadside dispatch service
- 24/7 Visa® cardholder support services
- Emergency card replacement and disbursement
Teen Visa® Credit Card Details: Your Card, Explained
Effective date
Friday, December 19, 2025
| Credit card | APR (Low)* | APR (High) | Perks |
|---|---|---|---|
| Teen Visa | 10.50% | 20.50% | Same rates for cash advances and balance transfers. A co-signed starter card for teens to learn responsible credit use. |
* APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. | |||
View disclosures: Visa credit card agreement and disclosure; Visa Value Guide to Benefits | |||
Teen Visa credit card rates
Teen Visa
* APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account.
View disclosures: Visa credit card agreement and disclosure; Visa Value Guide to Benefits
- To calculate your balance, we use a method called “average daily balance” (including new purchases).
- How to avoid paying interest: Your payment due date is approximately 27 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
- Credit card tips: Visit the website of the Consumer Financial Protection Bureau (CFPB) to learn more about factors to consider when applying for or using a credit card at consumerfinance.gov/learnmore. View disclosures: Visa credit card agreement and disclosure; Visa Signature Guide to Benefits; Visa Value Guide to Benefits.
Effective date
Friday, December 19, 2025
| Product Fees | Essential | Enhanced | Premier |
|---|---|---|---|
| Visa Signature annual fee | 0.00 | 0.00 | 0.00 |
| Visa Value / TLT (Teen) Visa annual fee | 0.00 | 0.00 | 0.00 |
Foreign transaction fee — Up to 1% of the US dollar amount of the foreign transaction | |||
| Plastic card replacement fee | 6.00 | 6.00 | 6.00 |
**All members qualify for the essential category. Learn more about Member Merits and how to qualify for other categories. There is no application fee and no cash advance fee for any of our Visa® cards. Late payment fee for all cards is $25 for all Member Merits categories. Please contact Oregon State Credit Union for any changes in card terms disclosed. | |||
Credit Card Fees Based on Member Merits
Visa Signature annual fee
Visa Value / TLT (Teen) Visa annual fee
Foreign transaction fee — Up to 1% of the US dollar amount of the foreign transaction
Plastic card replacement fee
**All members qualify for the essential category. Learn more about Member Merits and how to qualify for other categories.
There is no application fee and no cash advance fee for any of our Visa® cards. Late payment fee for all cards is $25 for all Member Merits categories. Please contact Oregon State Credit Union for any changes in card terms disclosed.
With Dovly Uplift for Visa cardholders, you get all the credit tools you need to raise your score and maximize your money at no cost to you.
Contact us for help with your lost or stolen cards: call 541-714-4000.
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