Visa Value credit card rates as low as 12.00% APR

Save money with this simple, no-frills Visa card with no annual fee, member rates as low as 12.00% APR and convenient use in Apple or Samsung's digital wallet.


Apply now | Visa Value credit card


Coast view Visa Value credit card

Coast view Visa Value credit card

Marys Peak Visa Value credit card

Marys Peak Visa Value credit card

Blue Visa Value credit card

Blue traditions Visa Value credit card


Money-saving features include:

  • No annual fee

  • No balance transfer fee — Transfer your high-interest credit card balances to a Visa Value card.

  • No cash advance fee

  • No penalty interest rate

  • Same interest rate for cash advances as for purchases

  • Free auto rental collision damage waiver

  • Zero Liability

Other Benefits

  • Dovly Uplift - Tools to raise your credit score

  • Roadside Dispatch

  • Cardholder Inquiry Service

  • Emergency Card Replacement & Disbursement

  • Visa Offers & Perks

Convenient and flexible

  • Contactless payments

  • Credit limits from $500–$50,000

  • Cash advance withdrawals available from nationwide ATM network

Mobile payment

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

Report lost or stolen cards

Contact us for help with your lost or stolen cards: call 800-732-0173.

Act quickly if your personal data is threatened

When you carry this Visa 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 Value credit card


Visa® credit card disclosures, rates and fees

Visa® credit card rates on purchases
Effective Date: Wednesday, June 19th, 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: Wednesday, June 19th, 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: Wednesday, June 19th, 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 Value credit card


 

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