Visa® Value or Visa Rewards credit cards

Your money and credit work harder for you when you choose Oregon State Credit Union Visa credit cards with no or low annual fees, fraud monitoring and convenient transaction alerts. Gain convenient purchasing power, build credit and consolidate debt. Get card details or apply here.


Visa Value credit card rates as low as 8.25% APR and no annual fee

Apply and learn more | Visa Value credit card

Coast view Visa Value credit card


Visa Reward credit card rates as low as 10.75% APR and 1% cash back on purchases

Apply and learn more | Visa Rewards credit card

Platinum Visa Rewards credit card


Visa® credit card rates on purchases
Effective Date: Tuesday, July 5th, 2022
Credit cardAPR (Low)*APR (High)Perks
Visa® Value 8.25% 18.25% Save on purchases and balance transfers. Get our lowest rates.
Visa Rewards 10.75% 21.25% Earn 1% cash back with each purchase.
Teen Visa 8.25% 18.25% A co-signed, starter card for teens to learn responsible credit use.
Prepaid Visa cards N/A N/A Enjoy the convenience of a card with no worry of credit debt.
* 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 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. 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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

Additional Visa credit card rates
Effective Date: Tuesday, July 5th, 2022
Credit cardAPR (Low)*APR (High)
APR for cash advances
Visa Value / Teen Visa 8.25% 18.25%
Visa Rewards 10.75% 21.25%
APR for balance transfers
Visa Value / Teen Visa 8.25% 18.25%
Visa Rewards 10.75% 21.25%
*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 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. 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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

Card fees based on Member Merits** category
Effective Date: Tuesday, July 5th, 2022
Product feesEssentialEnhanced 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

Prepaid Visa card fees — Reload: $3. Standard card: $6.95. Personalized card: $11.95

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 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. 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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.


Control and manage your credit and debit cards

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 Visa Card Control and Card Management. See the video: How to order a replacement debit or credit card.

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