Signature Visa® Credit Card with Cash Back Rewards
Earn 2% cash back on all purchases. Spend $1,000 on the card within the first 90 days to receive a $100 bonus.
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.
Cash back on all purchases
Earn 2% cash back on all purchases. Spend $1,000 on the card within the first 90 days to receive a $100 bonus.
Must qualify for OnPoint Rewards and have an open checking account.
Low introductory APR offer
2.99% introductory APR for 6 months from account opening and 4.99% introductory APR for 12 months from account opening.
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 Signature Visa® with cash back rewards1 APR will vary with the market based on the prime rate. How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you 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) 2.99% introductory APR for 6 months from account opening | Annual Percentage Rate (APR)1 14.25% - 24.75% depending on your creditworthiness |
Interest rates and charges Balance transfers | Introductory Annual Percentage Rate (APR) 4.99% introductory APR for 12 months from account opening | Annual Percentage Rate (APR)1 16.25% - 26.75% depending on your creditworthiness |
Interest rates and charges Cash advances | Introductory Annual Percentage Rate (APR) N/A | Annual Percentage Rate (APR)1 16.25% - 26.75% depending on your creditworthiness |
Rewards information
Earning cash back
Earn 2% cash back on all purchases.
Redeeming cash back
Your rewards are redeemed automatically for cash annually and deposited to your OnPoint Checking account.
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
Yes, we offer a Platinum Visa with Rewards credit card and a Signature Visa with Rewards credit card. You can redeem rewards points for cash, airline tickets, cruises, hotel rooms, rental cars or tons of great merchandise.
We also offer the Signature Visa with Cash Back Rewards, earning you 2% on every purchase.
Yes! You can use your OnPoint Visa Credit and Debit Cards when traveling within or outside of the U.S.
Charges for ATM use in a foreign country may vary based on the ATM provider. Click here to view potential ATM or foreign transaction fees.
Notify us of your travel plans!
If you plan to use your OnPoint credit and debit cards while traveling, notify OnPoint before you go:
- Log in to Digital Banking
- Select Services from the main menu
- Select Travel Notifications
- Choose the cards you'll be traveling with and provide your travel dates and destinations
View and redeem your points at www.curewards.com or call 800.900.6160 for assistance. You may also redeem your points through Digital Banking:
- Log into Digital Banking
- Select your OnPoint credit card from the Account Summary page.
- Select the Details & Settings heading.
- Select Click here to visit below "Payment Options and Loan Info."
- Then, click the Rewards button on the right side of the credit card Account Home page to register your card and redeem your points. Note: If you're already registered, your Available Point Balance will display after clicking the Rewards button.
- Click the CU Rewards logo to redeem your points for airline tickets, hotel rooms, rental cars, cash or merchandise.
Becoming an OnPoint member is easy! The account opening process only takes about 10 minutes.
Follow these three simple steps to open your account online: You will need to provide the following information:
- Name and address (and previous home address if you've lived at your current address for less than two years)
- Social security number
- A valid form of identification including: Driver's license, State ID, Military ID or Passport
- Credit or debit card or U.S. checking or savings account to fund your new account(s)
- $5, which will establish your OnPoint membership with a minimum balance of $5.
Visit our Join In page and click Join now to open your account online.
If you would prefer to submit your application via mail, please contact us at 800.527.3932.
To learn more about your relationship with OnPoint, please refer to the Membership & Account Agreement for more information.
Please note: You must be 18 years of age, and you must be a U.S. citizen or U.S. resident alien to open your account with us online.
OnPoint products with a variable APR (annual percentage rate) are tied to the Prime Rate. For EquityFlex and Personal Lines of Credit, the Prime Rate published in the Wall Street Journal as of the 10^th^ of the month (or next business day if the 10^th^ falls on a weekend) will be effective the 21^st^ of that same month. For OnPoint credit cards, the Prime Rate published in the Wall Street Journal as of the 10^th^ of the month (or next business day if the 10^th^ falls on a weekend) will be effective on the 1^st^ day of the next billing cycle following the change. Please refer to our current Loan Rates Pages for up-to-date rates and fees.
Make more possible with your OnPoint Visa.
Get started today.
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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.
Signature Visa with Cash Back Rewards
To earn the $100 bonus this must be a new Visa relationship. Bonus does not apply to existing Visa loans that are transferred or converted to a Signature Visa with Cash Back Rewards card. To qualify for a Signature Visa with Cash Back Rewards card you must maintain qualifications for OnPoint Rewards. To qualify for OnPoint Rewards you must be an existing member of OnPoint Community Credit Union. If you are an existing OnPoint member and you do not yet have OnPoint Rewards, please visit your nearest branch or go to onpointcu.com/rates-rewards/Onpoint-rewards to see if you qualify. Cash back rewards are credited annually in November to your open OnPoint checking account. If you close your OnPoint checking account before rewards are paid, even if your Signature Visa with Cash Back Rewards loan is active, you will forfeit your rewards for that year. To be eligible for this bonus offer, credit card account must be open and not in default at the time of fulfillment. All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Signature Credit Card Agreement. For more information regarding all the extra benefits offered, view the OnPoint Signature Visa with Rewards Guide to Benefits.
- 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.
- Purchase your entire common carrier ticket to your Visa Signature card and your checked or carry-on luggage is covered up to $3,000 if lost or stolen. Receive up to $2,000 in coverage for your cancelled trip due to death, accidental bodily injury, or physical illness; or due to carrier default. Certain restrictions, limitations, and exclusions apply. Details accompany your new account materials.
- Get convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week. Certain restrictions, limitations, and exclusions apply. Details accompany your new account materials.
- Up to one (1) additional year on warranties of three (3) years or less when you purchase an eligible item entirely with your eligible Visa Signature card.
- Receive up to $2,500 in coverage for emergency treatment if you become sick or accidentally injured while traveling on a trip purchased entirely on your Visa Signature card. Certain restrictions, limitations, and exclusions apply.
*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.
