Oregon State Credit Union Visa Value Credit Card
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| Purchase APR (Variable APR) | 6.75 - 16.75 |
| Balance Transfer APR (Variable APR) | 6.75 - 16.75 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Oregon State Credit Union Visa Value Credit Card Review
This is a card issued by Oregon State Credit Union. If you're wondering whether Oregon State Credit Union Visa Value Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Oregon State Credit Union Visa Value Credit Card has a variable purchase APR that ranges from 6.75% up to 16.75%.
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Oregon State Credit Union Visa Value Credit Card
| The Good | The Bad |
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Oregon State Credit Union Visa Value Credit Card FAQ
Does Oregon State Credit Union Visa Value Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Oregon State Credit Union Visa Value Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Oregon State Credit Union Visa Value 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.Oregon State Credit Union Visa Value Credit Card has a variable purchase APR that ranges from 6.75% up to 16.75%. The card has a variable balance transfer APR that ranges from 6.75% up to 16.75%. It also has a variable cash advance APR that ranges from 6.75% up to 16.75%.
Does Oregon State Credit Union Visa Value Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Oregon State Credit Union Visa Value Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Oregon State Credit Union Visa Value Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| 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 card.
Does Oregon State Credit Union Visa Value Credit Card have a foreign transaction fee?
Oregon State Credit Union Visa Value Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Oregon State Credit Union Visa Value Credit Card?
The Oregon State Credit Union Visa Value Credit Card customer service number is (800) 732-0173.
What is the support contact email for Oregon State Credit Union Visa Value Credit Card?
The support contact email for Oregon State Credit Union Visa Value Credit Card is marketing@oregonstatecu.com.
What is the Oregon State Credit Union Visa Value Credit Card login page?
You can access the Oregon State Credit Union Visa Value Credit Card login page here.
How do people rate the customer service and user experience of Oregon State Credit Union Visa Value Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Oregon State Credit Union Visa Value Credit Card report your account activity to credit bureaus?
Yes, Oregon State Credit Union Visa Value Credit Card 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 State Credit Union Visa Value Credit Card
- Visit the Oregon State Credit Union Visa Value 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.
Contact
- Headquarters
-
4800 SW Research Way
Corvallis, OR 97333 USA - (800) 732-0173
- Visit Site
- Email Support
Other Services by Oregon State Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | 0 |
| Cash Advance Fee (%) | 0 |
| Minimum Cash Advance Fee ($) | 0 |
| Foreign Currency Transaction Fee | 1 |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 30 days |
| Late Fee Amount | Up to 25 |
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