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  OnPoint Community CU Rewards Credit Card
OnPoint Community CU Rewards Credit Card Unaffiliated

OnPoint Community CU Rewards Credit Card

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Highlights
Purchase APR 10% - 14.5%
Balance Transfer APR 12% - 16.5%
Credit Score Range 650 - 850
Annual Fee $0

OnPoint Community CU Rewards Credit Card Review

This is a credit card issued by OnPoint Community Credit Union. If you're wondering whether OnPoint Community CU 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 CU 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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 and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of OnPoint Community CU Rewards Credit Card
The Good The Bad
  • Potentially 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.
  • No foreign transaction fee.
  • OnPoint Community CU Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
OnPoint Community CU Rewards Credit Card FAQ

Does OnPoint Community CU Rewards Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the OnPoint Community CU Rewards Credit Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for OnPoint Community CU 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. This card has lower than average regular APRs.

OnPoint Community CU 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 Community CU 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 CU 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%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does OnPoint Community CU Rewards Credit Card have an intro APR offer on new purchases?

OnPoint Community CU 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 CU Rewards Credit Card?

The following fees apply:

OnPoint Community CU Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $25
Late Payment Fee $10 - $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does OnPoint Community CU 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 Community CU Rewards Credit Card?

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

What is the OnPoint Community CU Rewards Credit Card login page?

You can access the OnPoint Community CU Rewards Credit Card login page here.

How do people rate the customer service and user experience of OnPoint Community CU Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does OnPoint Community CU Rewards Credit Card report your account activity to credit bureaus?

Yes, OnPoint Community CU Rewards Credit Card reports your account activity to the following credit reporting agencies:

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 Rewards Credit Card

  • Visit the OnPoint Community CU 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

About OnPoint Community CU Rewards Credit Card

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View all credit cards offered by OnPoint Community Credit Union

Availability

  Available in 2 states
  • Oregon
  • Washington

Feature Breakdown

Introductory Rate 2.99%
Purchase Intro APR Period 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 $25
Additional Card Fee Amount $5
Late Fee Amount $10 - $25
Minimum Age 18
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR 12% - 16.5%
Balance Computation average daily balance” (including new purchases)
Penalty APR 3%
Purchase APR 10% - 14.5%
Balance Transfer Introductory APR 4.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12% - 16.5%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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OnPoint Community Credit Union Credit Cards

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