Visa® credit card disclosures, rates and fees
| Credit card | APR (Low)* | APR (High) | Perks |
|---|---|---|---|
| Visa® Value | 12.00% | 22.00% | Save on purchases and balance transfers. Get our lowest rates. |
| Visa Rewards | 14.50% | 25.00% | Earn 1% cash back with each purchase. |
| Teen Visa | 12.00% | 22.00% | 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. | |||
| Additional credit card information: 1) To calculate your balance, we use a method called “average daily balance” (including new purchases). 2) 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. 3) 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 Rewards Standard Protection Package - card guide benefits; Visa Value Standard Protection Package - card guide benefits. | |||
| Credit card | APR (Low)* | APR (High) |
|---|---|---|
| APR for cash advances | ||
| Visa Value / Teen Visa | 12.00% | 22.00% |
| Visa Rewards | 14.50% | 25.00% |
| APR for balance transfers | ||
| Visa Value / Teen Visa | 12.00% | 22.00% |
| Visa Rewards | 14.50% | 25.00% |
| *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. | ||
| Additional credit card information: 1) To calculate your balance, we use a method called “average daily balance” (including new purchases). 2) 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. 3) 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 Rewards Standard Protection Package - card guide benefits; Visa Value Standard Protection Package - card guide benefits. | ||
| Product fees | Essential | Enhanced | Premier |
|---|---|---|---|
| Visa Rewards annual fee*** | $25.00 | $15.00 | $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. ***Annual fee will be due on your credit account anniversary date. 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. | |||
| Additional credit card information: 1) To calculate your balance, we use a method called “average daily balance” (including new purchases). 2) 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. 3) 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 Rewards Standard Protection Package - card guide benefits; Visa Value Standard Protection Package - card guide benefits. | |||
**All members qualify for the essential category. Learn more about Member Merits and how to qualify for other categories.
***Annual fee will be due on your credit account anniversary date.
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There is no application fee and no cash advance fee for any of our Visa cards
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Late payment fee for all cards is $25 for all Member Merits categories
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Please contact Oregon State Credit Union for any changes in card terms disclosed.
How we will 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 30 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 the full Visa credit card agreement and disclosure.
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