Last Updated: 07/28/2025
OnPoint CCU Visa Rewards Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10% - 14.5%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12% - 16.5%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Annual Fee
$0
OnPoint CCU Visa Rewards Credit Card Review
This is a rewards card issued by On Point Community Credit Union. If you're wondering whether OnPoint CCU Visa Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APRs: OnPoint CCU Visa Rewards Credit Card has a variable regular purchase APR that ranges from 10% up to 14.5%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of OnPoint CCU Visa Rewards Credit Card
| The Good | The Bad |
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OnPoint CCU Visa Rewards Credit Card FAQ
Does OnPoint CCU Visa Rewards Credit Card have a cash back or rewards program?
OnPoint CCU Visa Rewards Credit Card is a rewards card.
| Description |
Does OnPoint CCU Visa Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does OnPoint CCU Visa Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the OnPoint CCU Visa Rewards Credit Card benefits?
OnPoint CCU Visa Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for OnPoint CCU Visa Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.OnPoint CCU Visa Rewards Credit Card has a variable purchase APR that ranges from 10% up to 14.5%. The card has a variable balance transfer APR that ranges from 12% up to 16.5%. It also has a variable cash advance APR that ranges from 12% up to 16.5%.
Note that late payments are subject to an APR of 3% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does OnPoint CCU Visa Rewards Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12% - 16.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does OnPoint CCU Visa Rewards Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.99% on qualified purchases for a period of 6 months.
What are the fees for OnPoint CCU Visa Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does OnPoint CCU Visa Rewards Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for OnPoint CCU Visa Rewards Credit Card?
The support contact email for OnPoint CCU Visa Rewards Credit Card is info@onpointcu.com.
How do people rate the customer service and user experience of OnPoint CCU Visa Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does OnPoint CCU Visa Rewards Credit Card report your account activity to credit bureaus?
Yes, OnPoint CCU Visa Rewards Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does On Point Community Credit Union perform a hard credit pull?
Yes, OnPoint CCU Visa Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for OnPoint CCU Visa Rewards Credit Card
- Visit the website of OnPoint CCU Visa Rewards Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
Other Services by On Point Community Credit Union
Checking Accounts
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Other Credit Cards from On Point Community Credit Union
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Purchase APR
8% - 18.50%
Disclaimer popup with additional information
Balance Transfer APR
10% - 20.50%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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