Visa® Rewards credit card

For rewards you can count on, get our Visa Rewards credit card. Enjoy 1% cash back on purchases, no balance transfer or cash advance fees, plus Apple or Samsung digital wallets for convenient card use. See Visa® credit card disclosures, rates and fees.


Apply now | 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

Mobile payment

  • Load your card into Apple or Samsung wallets and make easy, secure payments from your devices.

Redeem your cash-back online

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

  • Cash-back value 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.

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).

Act quickly if your personal data is threatened

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.

Apply now | Visa Rewards credit card


Visa® credit card disclosures, rates and fees

Visa® credit card rates on purchases
Effective Date: Saturday, April 13th, 2024
Credit cardAPR (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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

Additional Visa credit card rates
Effective Date: Saturday, April 13th, 2024
Credit cardAPR (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 disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

Card fees based on Member Merits** category
Effective Date: Saturday, April 13th, 2024
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.


Apply now | Visa Rewards credit card


 

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