Credit Cards
At Oregon State Credit Union
Our credit cards offer peace of mind, flexibility, and benefits that make a difference.
Open new doors with an OSCU credit card
Benefits grounded in value
Cash back rewards option
No annual fee
No balance transfer fee
Low rates
Digital wallet ready
Visa® Value
Credit made simple
- Rates as low as 10.25% APR
- No annual fee
- No balance transfer fee
- No cash advance fee
- Consolidate higher-interest debt
Visa® Signature
Earn unlimited 1.5% cash back
- Rates as low as 12.75% APR
- Unlimited 1.5% cash back on purchases
- No annual fee
- No balance transfer fee
- Earn rewards while you spend
Teen Visa®
Explore credit with support
- For teens ages 13–18
- Co-signed with a parent or guardian for guidance
- Same features as Visa Value (low rates, no annual, balance transfer, or cash advance fees)
- A safe way to build first credit experience
Compare our products
Visa® Value Credit Card
Teen Visa® Credit Card
Visa® Signature Credit Card
Learn more about the benefits of our VISA credit cards
Credit Card Details: Your Credit Card, Explained
Effective date
Sunday, February 22, 2026
| Credit Card | APR (Low)* | APR (High) | Perks |
|---|---|---|---|
| Visa Value | 10.25% | 20.25% | Same rates for cash advances and balance transfers. |
| Teen Visa | 10.25% | 20.25% | Same rates for cash advances and balance transfers. A co-signed starter card for teens to learn responsible credit use. |
| Visa Signature | 12.75% | 23.25% | 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 Value Guide to Benefits; Visa Signature Guide to Benefits | |||
Visa credit card rates on purchases
Visa Value
Teen Visa
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.
- 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.
Cards with EMV chips have reduced the amount of fraud at the check-out line, so card fraud has shifted online to “card-not-present” transactions, like online purchases. That’s where powerful online tools can help. Now, gain greater control over how — and where — your card is used with Card Management.
Card Management Services
- Report your card as lost or stolen
- Order replacement cards
- Set preferences
- Toggle your card off
- Receive real-time alerts
Financial Education Center
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Beyond credit: Better banking at OSCU
Checking that keeps you grounded, with a $300 bonus when you join.