Platinum Visa® Credit Card
Take advantage of low variable rates with no annual fee.
Apply in Digital Banking
As an existing OnPoint member, applying for a credit card is easy!
- Log into Digital Banking.
- Select Apply for a Loan from the main menu.
- Choose Consumer Loan to begin.
Apply in Digital Banking
As an existing OnPoint member, applying for a credit card is easy!
- Log into Digital Banking.
- Select Apply for a Loan from the main menu.
- Choose Consumer Loan to begin.
Local credit cards accepted worldwide.
It’s never been easier to find a credit card that fits your lifestyle, all from your local community credit union. Whether you’re spending locally, buying online, or traveling the world, you can find credit card options for earning rewards or cash back on all of your purchases with OnPoint.
Card details
Low variable rates
Take advantage of low variable rates with no annual fee. Spend securely without worrying about how much cash you have on hand or even get a cash advance when you need it.
Low introductory APR offer
3.99% introductory APR for 6 months from account opening and 6.99% introductory APR for 12 months from account opening.
Other features
Balance transfers
To request a credit card balance transfer, please call us at 503.228.7077 or 800.527.3932. You may also visit any local OnPoint branch and a representative will be happy to assist you.
Rates
Interest rates and charges | Introductory Annual Percentage Rate (APR) | Annual Percentage Rate (APR)1 |
|---|---|---|
Rates Effective: 04-15-2025 See important information about rates and fees Learn more about Platinum Visa®1 APR will vary with the market based on the prime rate. How to avoid paying interest on purchases: Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. How we will calculate your balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. | ||
Interest rates and charges Purchases | Introductory Annual Percentage Rate (APR) 3.99% introductory APR for 6 months from account opening | Annual Percentage Rate (APR)1 12.25% - 22.75% based on creditworthiness |
Interest rates and charges Balance transfers | Introductory Annual Percentage Rate (APR) 6.99% introductory APR for 12 months from account opening | Annual Percentage Rate (APR)1 14.25% - 24.75% based on creditworthiness |
Interest rates and charges Cash advances | Introductory Annual Percentage Rate (APR) N/A | Annual Percentage Rate (APR)1 14.25% - 24.75% based on creditworthiness |
Get the convenience, flexibility and security you need with an OnPoint Visa® credit card.
Freeze or replace your card
If your card is lost or stolen, you can freeze it right from your smartphone or laptop. When you need a replacement card in a pinch, we’ll ship you a new one right away.
Transaction alerts
Set up alerts to monitor unusual activity and purchases.
Overdraft protection
Protect yourself from overdrafts and get more peace of mind by linking your credit card.
Apply for and manage your account
Get the convenience, flexibility and security you need with an OnPoint Visa® credit card.
Looking for account information?
Activate your card, enroll in online banking, pay your bill, check your account, and more.
Manage your account
Apply for your OnPoint credit card today
Credit card FAQs
Browse or search all Credit card FAQs.
Make more possible with your OnPoint Visa.
Get started today.
Apply onlineStop by an OnPoint branch.
Find a nearby location or ATMApply at your local branch.
Schedule a branch appointmentDisclosures
*APR = Annual Percentage Rate
All OnPoint credit cards are subject to credit approval. The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or familial status. Credit card benefits such as “Rewards” are not deposits of OnPoint Community Credit Union, are not insured by the NCUA and are not guaranteed by OnPoint Community Credit Union.
Platinum Visa and Platinum Visa with Rewards
All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Credit Card Agreement.
- Subject to conditions in the Visa Credit Card Agreement.
- Purchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.
*By submitting this form, you agree to OnPoint’s collection and use of the information you provide in accordance with our privacy notice and online privacy policy available here. You also confirm that any information you submit is your own and that you are at least 18 years of age.
