Visa® Signature Credit Card
With low rates and unlimited 1.5% cash back, our Visa® Signature Credit Card delivers extraordinary rewards for your everyday spending.
Everyday credit with plenty of perks
KEY BENEFITS
Unlimited 1.5% cash back
No annual fee
Low rates
Digital wallet ready
Why choose an OSCU Visa® Signature credit card?
From groceries to streaming subscriptions, earn 1.5% cash back on all the purchases you make every day, plus no annual fee, no balance transfer fee, and no cash advance fees. To make earning cash even easier, add this card to your mobile wallet.
Save more, earn more
- No annual fee
- No balance transfer, cash advance, or penalty fees
- Unlimited 1.5% cash back on purchases
Flexibility & access
- Digital wallet ready — add to Apple Pay, Samsung Pay, or Google Pay
- Tap to pay, and enjoy quick, contactless checkout
- Cash advances worldwide
Built-in protection
- Free auto rental collision damage waiver
- Zero fraud liability
- Emergency card replacement and cash disbursement
Travel & support services
- Roadside dispatch service
- Cardholders enjoy up to 25% off rental cars and discounts on golf
- Visa Luxury Hotel Collection provides elite amenities at over 900 global properties
- For more details about the exclusive perks Visa has to offer, view the Visa Signature Guide to Benefits.
Get your Visa® Signature Credit Card today
Apply for a Visa® Signature Credit CardVisa® Signature Credit Card Details: Your Card, Explained
| Credit Card | APR (Low)* | APR (High) | Perks |
|---|---|---|---|
| Visa Signature | 13.00% | 23.50% | Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. |
* 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 Signature Guide to Benefits. | |||
Visa Signature Credit Card Rates
Visa Signature
* 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 Signature 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.
Watch your savings stack up each month when you redeem your 1.5% cash back and deposit in your account. Points earned are available on your monthly statement and will be deposited into your checking or savings account within 2 business days. Points are good for four years and will expire September 30th of that year. You must have $25 in total cash back points available to redeem your 1.5% rewards.
| 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.
Contact us for help with your lost or stolen cards: call 541-714-4000.
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