Visa® Rewards credit card

For reward's sake, get our Visa Rewards credit card! Enjoy 1% cash back on purchases, no balance transfer or cash advance fees, plus more. See Visa® credit card disclosures, rates and fees.

Apply online | Visa Rewards credit card

Enjoy these benefits of a Visa Rewards credit card

  • Use your card, earn 1% cash-back on every purchase you make with your Oregon State Credit Union Visa Rewards card. For every $100 you spend, you earn $1. When you collect $25 in cash rewards, you can redeem your cash.

  • Low or no annual fee based on Member Merits category

  • No balance transfer fee

  • No cash advance fee

  • No penalty interest rate

  • Same interest rate for cash advances as for purchases

  • Credit limits from $500-$50,000 based on credit history

  • Cash advance withdrawals available worldwide

  • Free auto rental collision damage waiver

Redeem your cash-back online

Visit Visa Rewards for Oregon State Credit Union or call 800-955-5998.

  • Cash-back can be saved for four years. Expired cash-back will be removed annually on September 30. Each time you redeem cash-back, the oldest cash-back is used first. You will see a credit in your savings or checking account within two business days after the redemption date. No cancellations or refunds available.

Act quickly if your personal data is threatened

Your Oregon State Credit Union Visa Rewards credit card includes ID Navigator Powered by NortonLifeLock. No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. When you carry the Visa Rewards card, you’re eligible for ID Navigator powered by NortonLifeLock. It provides you with the tools to help keep you informed of potential threats to your identity so you can act quickly should the unexpected happen.

  • Cardholders: Confirm your eligibility here with ID Navigator Powered by NortonLifeLock. After your eligibility is confirmed, you'll be able to access helpful information including phone numbers and other ID Navigator tools.

Need to report lost or stolen cards?

Contact us for help with your lost or stolen cards:

  • Call 800-732-0173

  • Visa card protection: card control (preferences, card on/off, real-time alerts) and card management (lost or stolen, replacements).

Get your Visa Rewards credit card today

Apply online | Visa Rewards credit card 


Visa® credit card disclosures, rates and fees

Visa® credit card rates on purchases
Effective Date: Monday, November 28th, 2022
Credit cardAPR (Low)*APR (High)Perks
Visa® Value 9.75% 19.75% Save on purchases and balance transfers. Get our lowest rates.
Visa Rewards 12.25% 22.75% Earn 1% cash back with each purchase.
Teen Visa 9.75% 19.75% 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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

Additional Visa credit card rates
Effective Date: Monday, November 28th, 2022
Credit cardAPR (Low)*APR (High)
APR for cash advances
Visa Value / Teen Visa 9.75% 19.75%
Visa Rewards 12.25% 22.75%
APR for balance transfers
Visa Value / Teen Visa 9.75% 19.75%
Visa Rewards 12.25% 22.75%
*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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

Card fees based on Member Merits** category
Effective Date: Monday, November 28th, 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
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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

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