Visa® Rewards credit card

A Visa Rewards credit card from Oregon State Credit Union gives you rewards every time you use it, providing superior financial and lifestyle benefits.

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 points, get rewards

With points you earn by using your card, choose gift cards, charitable donations, travel airfare and discounts, experiences including sports and getaways, and brand name merchandise.

  • Here's an example of a gift card reward you might choose when you use your Visa Rewards credit card:

    • For every dollar you spend you get a point.

    • When you collect 10,000 points you can redeem your points.

    • Your gift: a $100 Amazon gift card!

Plus, enjoy these added perks with your Visa Rewards credit card: Concierge service worldwide, extended warranty protection, travel accident insurance, travel assistance service.

Earn everyday points:

  • Use your Oregon State Credit Union Visa Rewards card whenever you make a purchase.

  • Earn one point for every $1 spent (cash advances not included). No monthly or annual point caps.

Earn bonus points:

  • Start your online shopping at the Perks Points Mall and earn five additional points for every $1 spent.

  • Earn 3x points when you use your Rewards card in the More Points superstore. Browse brand name gift cards and merchandise.

Access your points online:

Need to report lost or stolen cards?

Contact us for help with your lost or stolen cards:

  • M - F, 8:30 a.m. - 5:30 p.m., 800-732-0173
  • After hours: 888-802-5240

  • 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

VisaŽ credit card rates on purchases
Effective Date: Wednesday, January 22nd, 2020
Credit cardAPR (Low)*APR (High)Perks
Visa® Value 8.25% 18.00% Save on purchases and balance transfers. Get our lowest rates.
Visa Rewards 10.75% 15.75% Earn points with each purchase.
Teen Visa 8.25% 18.00% 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.

Additional Visa credit card rates
Effective Date: Wednesday, January 22nd, 2020
Credit cardAPR (Low)*APR (High)
APR for cash advances
Visa Value / Teen Visa 8.25% 18.00%
Visa Rewards 10.75% 15.75%
APR for balance transfers
Visa Value / Teen Visa 8.25% 18.00%
Visa Rewards 10.75% 15.75%

*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.

Effective Date: Wednesday, January 22nd, 2020
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

View the full Visa credit card agreement and disclosure.

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