Visa® Value Credit Card
Our Visa® Value Credit Card saves you money with no annual fee, no surprise charges, and low interest rates.
Simple, affordable credit
KEY BENEFITS
Low rates
No annual fee
Digital wallet ready
Zero fraud liability
Why choose an OSCU Visa® Value credit card?
The Visa® Value credit card puts value first: fewer fees, low and transparent rates, and built-in protections that give you peace of mind. Use this card for everyday expenses, or consolidate higher-interest debt and pay no balance transfer fee.
Low-cost convenience
- No annual fee
- No balance transfer fee — transfer your high-interest credit card balances to a Visa Value card
- No cash advance fee — same interest rate for cash advances as for purchases
Fair & transparent rates
- Rates as low as 10.50% APR
- No penalty interest rate
- Same rate for purchases and cash advances
Flexibility & access
- Flexible credit limits from $500–$50,000, subject to approval
- Contactless payments
- Digital wallet ready — add to Apple Pay, Samsung Pay, or Google Pay
- Cash advance withdrawals available from nationwide ATM network
Built-in protection
- Free auto rental collision damage waiver
- Zero fraud liability
- 24/7 Visa® cardholder support services
- Emergency card replacement and disbursement
Visa® Value Credit Card Details: Your Card, Explained
Effective date
Friday, December 19, 2025
| Credit card | APR (Low)* | APR (High) | Perks |
|---|---|---|---|
| Visa Value | 10.50% | 20.50% | Same rates for cash advances and balance transfers. |
* 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 | |||
Visa Value credit card rates
Visa Value
* 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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