Visa® Rewards credit card

For rewards you can count on, choose our Visa Rewards credit card as low as 13.75% APR.

2% cash-back special offer Nov. 28 - Mar. 2

Double your cash-back dollars with double points on all purchases from November 28, 2024 - March 2, 2025.1 That's 2% cash-back rewards! Double points offer does not apply to cash advances or balance transfers.

Apply now | Visa Rewards credit card

Enjoy the benefits of a Visa Rewards credit card

  • See Visa® credit card rates and fees.

  • After March 2, 2025, 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.

  • No balance transfer fee, cash advance fee or penalty interest rate.

  • Same rate for cash advances, balance transfers and purchases.

  • Low or no annual fee based on Member Merits category.

Other benefits

  • Apple or Samsung digital wallets for convenient card use

  • Cash advance withdrawals available worldwide

  • Free auto rental collision damage waiver

  • Zero fraud liability

  • Dovly a free credit monitoring solution

  • Roadside dispatch

  • Cardholder inquiry service and Visa offers and perks

  • Emergency card replacement and disbursement

Apply now | Visa Rewards credit card

Visa® Rewards credit card rates
Effective Date: Thursday, December 12th, 2024
Credit cardAPR (Low)*APR (High)Perks
Visa Rewards 13.75% 24.25% Earn 1% cash back with each purchase.
*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

APR for cash advances and balance transfers
Visa Rewards 13.75% 24.25%  

Visa® Reward Card fees based on Member Merits**
Effective Date: Thursday, December 12th, 2024
Product feesEssentialEnhanced Premier
Visa Rewards annual fee*** $25.00 $15.00 $0.00

**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.

View disclosures: Visa credit card agreement and disclosure; Visa Rewards Standard Protection Package - card guide benefits; Visa Value Standard Protection Package - card guide benefits.

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 541-714-4000

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

Apply now | Visa Rewards credit card

1 Special offer disclosure

Purchases must be made using your Oregon State Credit Union Visa® Rewards credit card. All card transactions placed between November 28, 2024 and March 2, 2025 will earn an additional 1% reward. Rewards will be applied on your account daily during the promotion period. Not valid on cash advances or balance transfers. Rewards must be redeemed for cash back. Rewards expire after four years and are removed annually on September 30.

Go to main navigation