OnPoint Community CU Rewards Credit Card

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.

• 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.

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.

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.

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 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.