Oregon Community Credit Union OSU Beaver 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 OSU Beaver 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.

• 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 OSU Beaver 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 OSU Beaver 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.

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 OSU Beaver Card Platinum Visa is accepted. Oregon Community Credit Union OSU Beaver Card Platinum Visa reports to multiple credit bureaus.

Charges a 3% balance transfer fee. Does not include many credit card benefits.

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

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

Oregon Community Credit Union OSU Beaver 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

What are the Oregon Community Credit Union OSU Beaver 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 OSU Beaver 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%.

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

The following fees apply:

Oregon Community Credit Union OSU Beaver 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 OSU Beaver Card Platinum Visa report your account activity to credit bureaus?

Yes, Oregon Community Credit Union OSU Beaver 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 OSU Beaver Card Platinum Visa

• Visit the Oregon Community Credit Union OSU Beaver 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.