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  Oregon Community Credit Union Duck Card Platinum Visa

Oregon Community Credit Union Duck Card Platinum Visa

in Personal Credit Cards from Oregon Community Credit Union

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Oregon Community Credit Union Duck Card Platinum Visa

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in Personal Credit Cards from Oregon Community Credit Union

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Highlights
Purchase APR  (Variable APR) 9.99 - 19.99
Balance Transfer APR  (Variable APR) 9.99 - 19.99
Credit Score Range 650 - 850
Annual Fee $0

Oregon Community Credit Union Duck Card Platinum Visa Review

This is a rewards credit card issued by Oregon Community Credit Union. If you're wondering whether Oregon Community Credit Union Duck Card Platinum Visa 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of 10000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Oregon Community Credit Union Duck Card Platinum Visa has a variable purchase APR that ranges from 9.99% up to 19.99%.
  • 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.
  • 3% Balance transfer fee. Oregon Community Credit Union Duck Card Platinum Visa charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Oregon Community Credit Union Duck Card Platinum Visa
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Oregon Community Credit Union Duck Card Platinum Visa is accepted.
  • Oregon Community Credit Union Duck Card Platinum Visa reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Oregon Community Credit Union Duck Card Platinum Visa FAQ

Does Oregon Community Credit Union Duck Card Platinum Visa have a cash back or rewards program?

Oregon Community Credit Union Duck Card Platinum Visa is a rewards card.

Oregon Community Credit Union Duck Card Platinum Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Oregon Community Credit Union Duck Card Platinum Visa have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Oregon Community Credit Union Duck Card Platinum Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Oregon Community Credit Union Duck Card Platinum Visa benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Oregon Community Credit Union Duck Card Platinum Visa?

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 9.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 19.99%. It also has a variable cash advance APR that ranges from 14.99% up to 24.99%.

Does Oregon Community Credit Union Duck Card Platinum Visa have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Oregon Community Credit Union Duck Card Platinum Visa Balance Transfers
Description
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.99 - 19.99
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 3

Does Oregon Community Credit Union Duck Card Platinum Visa have an intro APR offer on new purchases?

Oregon Community Credit Union Duck Card Platinum Visa Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Oregon Community Credit Union Duck Card Platinum Visa?

The following fees apply:

Oregon Community Credit Union Duck Card Platinum Visa 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 Oregon Community Credit Union Duck Card Platinum Visa 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 Oregon Community Credit Union Duck Card Platinum Visa?

The Oregon Community Credit Union Duck Card Platinum Visa customer service number is (800) 365-1111.

What is the support contact email for Oregon Community Credit Union Duck Card Platinum Visa?

The support contact email for Oregon Community Credit Union Duck Card Platinum Visa is pmeagher@myoccu.org.

Does Oregon Community Credit Union Duck Card Platinum Visa report your account activity to credit bureaus?

Yes, Oregon Community Credit Union Duck Card Platinum Visa 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 Oregon Community Credit Union Duck Card Platinum Visa

  • Visit the Oregon Community Credit Union Duck Card Platinum Visa 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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by Oregon Community Credit Union

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View all personal credit cards offered by Oregon 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 0
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 10
Cash Advance Fee (%) Up to 3
Minimum Cash Advance Fee ($) Starting at 10
Returned Payment Fee Up to 25
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 14.99 - 24.99
Balance Computation a method called “average daily balance” (including new purchases).
Purchase APR (Variable APR) 9.99 - 19.99
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.99 - 19.99
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 3
Card Type
  • Rewards
Card Network Visa

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