Visa® Rewards credit card

A Visa Rewards credit card from Oregon State Credit Union gives you 1% cash-back on every purchase. (Cash advances and balance transfers not eligible for cash-back rewards.)

Apply online | Visa Rewards credit card

Enjoy the benefits of a Visa Rewards credit card

  • Competitive rates

  • 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

Use your card, earn 1% cash-back

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.

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.

Need to report lost or stolen cards?

Contact us for help with your lost or stolen cards:

  • Call 800-732-0173
  • Prepaid cards: 866-906-4170

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: Friday, February 26th, 2021
Credit cardAPR (Low)*APR (High)Perks
Visa® Value 6.75% 16.75% Save on purchases and balance transfers. Get our lowest rates.
Visa Rewards 9.25% 14.25% Earn 1% cash back with each purchase.
Teen Visa 6.75% 16.75% 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 Visa credit card rates
Effective Date: Friday, February 26th, 2021
Credit cardAPR (Low)*APR (High)
APR for cash advances
Visa Value / Teen Visa 6.75% 16.75%
Visa Rewards 9.25% 14.25%
APR for balance transfers
Visa Value / Teen Visa 6.75% 16.75%
Visa Rewards 9.25% 14.25%

*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.

Effective Date: Friday, February 26th, 2021
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 $5.00 $5.00 $5.00

**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
  • Transfer fee for all cards is $4 for all Member Merits categories
  • 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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