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  On Tap Credit Union Visa Rewards

On Tap Credit Union Visa Rewards

in Personal Credit Cards from On Tap Credit Union

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On Tap Credit Union Visa Rewards

Unaffiliated

in Personal Credit Cards from On Tap Credit Union

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Highlights
Purchase APR  (Fixed APR) 1.99% - 18.90%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 600 - 800
Annual Fee N/A

On Tap Credit Union Visa Rewards Review

This is a credit card issued by On Tap Credit Union. If you're wondering whether On Tap Credit Union Visa Rewards is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $1.
  • Signup bonus. Offers a signup bonus of 1,000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. On Tap Credit Union Visa Rewards has a fixed purchase APR that ranges from 1.99% up to 18.90%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of On Tap Credit Union Visa Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.99%.
  • No balance transfer fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • On Tap Credit Union Visa Rewards reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
On Tap Credit Union Visa Rewards FAQ

Does On Tap Credit Union Visa Rewards have a cash back or rewards program?

No, it does not offer a rewards program.

What are the On Tap Credit Union Visa Rewards benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for On Tap Credit Union Visa Rewards?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a fixed purchase APR that ranges from 1.99% up to 18.90%. It also has a fixed cash advance APR that ranges from 1.99% up to 18.90%.

Does On Tap Credit Union Visa Rewards have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 12 months.

On Tap Credit Union Visa Rewards Balance Transfers
Description
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 12 months

Does On Tap Credit Union Visa Rewards have an intro APR offer on new purchases?

On Tap Credit Union Visa Rewards Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 12 months.

What are the fees for On Tap Credit Union Visa Rewards?

The following fees apply:

On Tap Credit Union Visa Rewards Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Late Payment Fee up to $15

Does On Tap Credit Union Visa Rewards have a foreign transaction fee?

On Tap Credit Union Visa Rewards charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for On Tap Credit Union Visa Rewards?

The On Tap Credit Union Visa Rewards customer service number is (303) 279-6416.

Does On Tap Credit Union Visa Rewards report your account activity to credit bureaus?

Yes, On Tap Credit Union Visa Rewards reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for On Tap Credit Union Visa Rewards

  • Visit the On Tap Credit Union Visa Rewards website.
  • 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.

View On Tap Credit Union Visa Rewards's published terms & conditions.
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 1:00pm

About On Tap Credit Union Visa Rewards

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View all personal credit cards offered by On Tap Credit Union

Availability

  Available in 1 state
Colorado
Availabile in all of Colorado

Feature Breakdown

Every Purchase (Points) 1,000 Bonus Points on new accounts will be applied after first purchase of $1 or more
Introductory Rate 1.99%
Purchase Intro APR Period (Fixed APR) 12 months
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Starting at $5
Paper Statement Fee $3.00
Late Fee Amount Up to $15
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 600 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 1
Signup Bonus Starting at $1
Cash Advance APR (Fixed APR) 1.99% - 18.90%
Balance Computation We use a method called “average daily balance (including new purchases).”
Purchase APR (Fixed APR) 1.99% - 18.90%
Balance Transfer Introductory APR (Fixed APR) 2.99%
Balance Transfer Intro APR Period (Fixed APR) 12 months
Card Type
  • Bonus Offers
Card Network Visa

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