Oregon Community CU OSU Beaver Card Visa

Oregon Community CU OSU Beaver Card Visa Review

This is a rewards credit card issued by Oregon Community Credit Union. If you're wondering whether Oregon Community CU OSU Beaver Card Visa is the right card for you, read on.

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 CU OSU Beaver Card 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 CU OSU Beaver Card 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 CU OSU Beaver Card Visa

The Good

The Bad

Potentially 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. There is then a variable purchase APR that ranges from 9.99% up to 19.99%. No annual fee. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Oregon Community CU OSU Beaver Card Visa is accepted. Oregon Community CU OSU Beaver Card Visa reports to multiple credit bureaus.

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

Oregon Community CU OSU Beaver Card Visa FAQ

Does Oregon Community CU OSU Beaver Card Visa have a cash back or rewards program?

Oregon Community CU OSU Beaver Card Visa is a rewards card.

Oregon Community CU OSU Beaver Card Visa Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	10000
Signup Bonus Spend Requirement	$500
Signup Bonus Spend Period (months)	3 months

What are the Oregon Community CU OSU Beaver Card Visa benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Oregon Community CU OSU Beaver Card 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. This card has lower than average regular APRs.

Oregon Community CU OSU Beaver Card Visa 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 CU OSU Beaver Card Visa?

The following fees apply:

Oregon Community CU OSU Beaver Card 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 CU OSU Beaver Card Visa report your account activity to credit bureaus?

Yes, Oregon Community CU OSU Beaver Card 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 CU OSU Beaver Card Visa

• Visit the Oregon Community CU OSU Beaver Card 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.