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  OnPoint Community Credit Union Signature Visa Rewards Credit Card

OnPoint Community Credit Union Signature Visa Rewards Credit Card

in Personal Credit Cards from On Point Community Credit Union

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OnPoint Community Credit Union Signature Visa Rewards Credit Card

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in Personal Credit Cards from On Point Community Credit Union

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Highlights
Purchase APR  (Variable APR) 10% - 14.5%
Balance Transfer APR  (Variable APR) 12% - 16.5%
Credit Score Range 680 - 850
Annual Fee $0

OnPoint Community Credit Union Signature Visa Rewards Credit Card Review

This is a rewards credit card issued by On Point Community Credit Union. If you're wondering whether OnPoint Community Credit Union Signature Visa Rewards Credit Card 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
  • Competitive APRs. OnPoint Community Credit Union Signature Visa Rewards Credit Card has a variable 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 rental insurance, access to a concierge, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of OnPoint Community Credit Union Signature Visa Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 4.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere OnPoint Community Credit Union Signature Visa Rewards Credit Card is accepted.
  • OnPoint Community Credit Union Signature Visa Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
OnPoint Community Credit Union Signature Visa Rewards Credit Card FAQ

Does OnPoint Community Credit Union Signature Visa Rewards Credit Card have a cash back or rewards program?

OnPoint Community Credit Union Signature Visa Rewards Credit Card is a rewards card.

OnPoint Community Credit Union Signature Visa Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does OnPoint Community Credit Union Signature Visa Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does OnPoint Community Credit Union Signature Visa Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the OnPoint Community Credit Union Signature Visa Rewards Credit Card benefits?

It 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 Community Credit Union Signature Visa Rewards 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. It has lower than average regular APRs.

It 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 Community Credit Union Signature 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 up to 12 months.

OnPoint Community Credit Union Signature Visa Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 4.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12% - 16.5%

Does OnPoint Community Credit Union Signature Visa Rewards Credit Card have an intro APR offer on new purchases?

OnPoint Community Credit Union Signature Visa Rewards Credit Card Purchase Intro Offer
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 up to 6 months.

What are the fees for OnPoint Community Credit Union Signature Visa Rewards Credit Card?

The following fees apply:

OnPoint Community Credit Union Signature Visa Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
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 Credit Union Signature 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 customer service phone number for OnPoint Community Credit Union Signature Visa Rewards Credit Card?

The OnPoint Community Credit Union Signature Visa Rewards Credit Card customer service number is .

What is the support contact email for OnPoint Community Credit Union Signature Visa Rewards Credit Card?

The support contact email for OnPoint Community Credit Union Signature Visa Rewards Credit Card is info@onpointcu.com.

Does OnPoint Community Credit Union Signature Visa Rewards Credit Card report your account activity to credit bureaus?

Yes, OnPoint Community Credit Union Signature Visa Rewards 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 Credit Union Signature Visa Rewards Credit Card

  • Visit the OnPoint Community Credit Union Signature Visa Rewards 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.

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 - 5:30pm
  • 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

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View all personal credit cards offered by On Point Community Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 2.99%
Purchase Intro APR Period (Variable APR) 6 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Additional Card Fee Amount $5
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Travel
  • Restaurants
  • Every Purchase
Cash Advance APR (Variable APR) 12% - 16.5%
Balance Computation a method called “average daily balance” (including new purchases).
Penalty APR (Variable APR) 3%
Purchase APR (Variable APR) 10% - 14.5%
Balance Transfer Introductory APR (Variable APR) 4.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12% - 16.5%
Card Type
  • Rewards
Card Network Visa

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