PLATINUM VISA WITH REWARDSOnpoint Community Credit Union · state credit union, OR · NCUA 62745
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Purchase APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 months | 6.99%ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “3.99% introductory APR for 6 months from account opening and 6.99% introductory APR on balance transfers for 12 months from account opening.”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 14.50%–25% variableONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “14.50% - 25.00% based on creditworthiness”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 14.50%–25% variableONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “14.50% - 25.00% based on creditworthiness”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual feeONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual fee.”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Introductory | 3.99% introductory APR for 6 months from account opening and 6.99% introductory APR on balance transfers for 12 months from account opening.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “3.99% introductory APR for 6 months from account opening and 6.99% introductory APR on balance transfers for 12 months from account opening.”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular | 14.50% - 25.00% based on creditworthinessONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “14.50% - 25.00% based on creditworthiness”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Signup bonuspoints award | 5,000 points. Spend $500 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. Get 5,000 bonus points when you spend at least $500 on your new card within the first 90 days.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Get 5,000 bonus points when you spend at least $500 on your new card within the first 90 days.”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Signup bonuspoints award | 5,000 points. Spend $500 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. Get 5,000 bonus points when you spend at least $500 on your new card within the first 90 days.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Get 5,000 bonus points when you spend at least $500 on your new card within the first 90 days.”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Earn 1 point for every $1 you spend.Not disclosed | 1 point per $1. See source conditions for eligible purchases.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 1 point for every $1 you spend.”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsEarn 1 point for every $1 you spend. | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 1 point for every $1 you spend.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 1 point for every $1 you spend.”ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |