OnPoint Community CU Visa Credit Card
Not enough votes for recommendation
Explore a similar product
Try this top product in Credit Cards.
| Purchase APR (Variable APR) | 9% - 19.5% |
| Balance Transfer APR (Variable APR) | 11% - 21.5% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
OnPoint Community CU Visa Credit Card Review
This is a rewards card issued by OnPoint Community Credit Union. If you're wondering whether OnPoint Community CU Visa Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. OnPoint Community CU Visa Credit Card has a variable purchase APR that ranges from 9% up to 19.5%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of OnPoint Community CU Visa Credit Card
| The Good | The Bad |
|---|---|
|
|
OnPoint Community CU Visa Credit Card FAQ
Does OnPoint Community CU Visa Credit Card have a cash back or rewards program?
OnPoint Community CU Visa Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does OnPoint Community CU Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does OnPoint Community CU Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the OnPoint Community CU Visa Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for OnPoint Community CU Visa Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.OnPoint Community CU Visa Credit Card has a variable purchase APR that ranges from 9% up to 19.5%. The card has a variable balance transfer APR that ranges from 11% up to 21.5%. It also has a variable cash advance APR that ranges from 11% up to 21.5%. 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 Community CU Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 6.99% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 6.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 11% - 21.5% |
Does OnPoint Community CU Visa Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 3.99% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 3.99% on qualified purchases for a period of up to 6 months.
What are the fees for OnPoint Community CU Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | 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 Community CU Visa Credit Card have a foreign transaction fee?
OnPoint Community CU Visa Credit Card 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 OnPoint Community CU Visa Credit Card?
The OnPoint Community CU Visa Credit Card customer service number is (800) 527-3932.
What is the support contact email for OnPoint Community CU Visa Credit Card?
The support contact email for OnPoint Community CU Visa Credit Card is info@onpointcu.com.
What is the OnPoint Community CU Visa Credit Card login page?
You can access the OnPoint Community CU Visa Credit Card login page here.
How do people rate the customer service and user experience of OnPoint Community CU Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does OnPoint Community CU Visa Credit Card report your account activity to credit bureaus?
Yes, OnPoint Community CU Visa Credit Card 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 OnPoint Community CU Visa Credit Card
- Visit the OnPoint Community CU Visa Credit Card 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.
Contact
- Headquarters
-
2688 NW Vaughn Street
Portland, OR 97210 USA - (800) 527-3932
- Visit Site
- Email Support
About OnPoint Community CU Visa Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 3.99% |
| Purchase Intro APR Period (Variable APR) | 6 months |
Be the first to rate
Would you recommend OnPoint Community CU Visa Credit Card to your friends?
Other Credit Cards
OnPoint Community Credit Union Credit Cards
- Amegy Amazing Cash Credit Card
- Bellco Credit Union Visa Colorado Rewards Credit Card
- City National Bank World and Preferred Points Card
- Discover it Secured Credit Card
- Edward Jones World Plus Mastercard®
- Elements Financial FCU Signature Rewards Card
- Hudson Valley FCU Visa Signature Credit Card
- Mercury Mastercard
- OnPoint Community Credit Union Platinum Visa Credit Card
- Oregon Community CU NICE Visa Credit Card
- Premier America CU Mastercard Credit Card
- Teamster Privilege Cash Rewards Credit Card
