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Credit Cards
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Expand your purchasing power!
At OnPoint, we're all about making your life easier. Our new Platinum Visa® with Rewards and Platinum Visa credit cards provide all the convenience and peace of mind you need - with no hidden fees or charges. Both cards offer low, fixed rates and no annual fee. Plus, there's never any cash advance or balance transfer fees. And you'll enjoy online banking access, 24-hour phone support and the ability to make purchases around the globe. Apply today and get an introductory 3.99% APR* on new purchases and balance transfers.
Platinum Visa with Rewards
This is the perfect choice for members who like earning rewards points and pay off their balance each month. In addition to a fixed rate as low as 8.9% APR*, you'll earn one rewards point for every dollar you spend. Points can be redeemed for airline tickets, cruises, hotel rooms, or tons of great merchandise like Vespa scooters and plasma TVs. Call Member Services at 503.228.7077 or toll-free 800.527.3932 or visit any branch to learn more about our Rewards program. Earning rewards already? Redeem your points at www.curewards.com or call 1.800.900.6160.
Platinum Visa
This card has the lowest rate fixed rate we offer - starting at 7.9% APR* - and is ideal for those who maintain a balance each month.
* The rate of 3.99% APR is the Annual Percentage Rate (APR) for the first six months of the account for purchases and the first 12 months of the account for balance transfers. Then, the APR will increase to a fixed APR based upon credit qualification. Please see the Rates and Fees section for additional rates, fees and other cost information. All terms, including APRs and fees, may change as permitted by law and OnPoint's Visa Credit Card Agreement.
Both credit cards offer these extras at no charge:
24-Hour Credit Card Support
With a single call to 866.820.3101, you can report lost or stolen cards, make balance transfers, ask questions about your account, and more.
$500,000 Travel and Accident Insurance
This is an automatic coverage when you purchase your airline tickets with your OnPoint Visa credit card. It covers you and your eligible family members traveling with you.
Auto Rental Collision Damage Waiver**
This may eliminate the need to buy rental companies' collision damage waivers.
Emergency Cash and Card Replacement
If your card is lost or stolen, you can get emergency cash and card replacement.
Zero Liability†
If fraudulent charges are made with your card or account information, we will work with you to make it right.
**Certain restrictions apply to this benefit. Details accompany your new account materials.
†Subject to conditions in OnPoint's Visa Credit Card Agreement.
Rates and Fees
| Platinum Visa with Rewards |
| Annual Percentage Rate (APR) for purchases |
3.99% (introductory APR during first six months of account)
8.9% - 17.9% (after first six months of account) |
| Other APRs |
- Introductory Balance Transfer APR - 3.99% (during first 12 months of account)
- Cash Advance 10.9%-17.9%
- Balance Transfer APR 10.9%-17.9% (after 12 months)
- Default APR: 17.9%*
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| Platinum Visa |
| Annual Percentage Rate (APR) for purchases |
3.99% (introductory APR during first six months of account)
7.9% - 16.9% (after first six months of account) |
| Other APRs |
- Introductory Balance Transfer APR - 3.99% (during first 12 months of account)
- Cash Advance 9.9%-17.9%
- Balance Transfer APR 9.9%-17.9% (after 12 months)
- Default APR: 17.9%*
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| Other Card Terms |
| Variable rate information |
Not applicable |
| Grace period for repayment of purchase balances |
25 days |
| Method of computing the balance for purchases |
Average daily balance method (including new purchases) |
| Annual Fees |
None |
| Late payment fees |
$30 for balances > $1000
$20 for balances $100-$1000
$10 for balances < $100 |
| Fee for exceeding credit limit |
$30 |
| Foreign transaction fee |
Up to 1% of the US dollar amount of the foreign transaction |
* Your APR may increase if you are in default of any provision of the Agreement or if you have more than one late payment in any 12-month period. We reserve the right to change the account terms, including APRs, at any time for any reason. The above rates and fees are current as of September 1, 2008.
Report Loss/Theft of Visa Credit Card
If your Visa Credit Card is lost or stolen, notify the credit union IMMEDIATELY by telephone at 866.820.3101
If out of the country, call collect at 410.581.9994.
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