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Onpoint Community Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo annual feeONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Opening conditionsMust have an open checking account.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Opening conditionsMust have an open checking account.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back2% cash back. Payment timing is not disclosed. Earn 2% cash back on all purchases. ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash back To earn the $100 bonus this must be a new Visa relationship. Bonus does not apply to existing Visa loans that are transferred or converted to a Signature Visa with Cash Back Rewards card. To qualify for a Signature Visa with Cash Back Rewards card you must have an open checking account. Cash back rewards are credited annually in November to your open OnPoint checking account. If you close your OnPoint checking account before rewards are paid, even if your Signature Visa with Cash Back Rewards loan is active, you will forfeit your rewards for that year. To be eligible for this bonus offer, credit card account must be open and not in default at the time of fulfillment. All terms, including APRs and fees, may change as permitted by law and the ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back2% cash back. Payment timing is not disclosed. Earn 2% cash back on all purchases.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash back To earn the $100 bonus this must be a new Visa relationship. Bonus does not apply to existing Visa loans that are transferred or converted to a Signature Visa with Cash Back Rewards card. To qualify for a Signature Visa with Cash Back Rewards you must have an open checking account. Cash back rewards are credited annually in November to your open OnPoint checking account. If you close your OnPoint checking account before rewards are paid, even if your Signature Visa with Cash Back Rewards loan is active, you will forfeit your rewards for that year. To be eligible for this bonus offer, credit card account must be open and not in default at the time of fulfillment. All terms, including APRs and fees, may change as permitted by law and the ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash signup bonus$100 cash award. After $1,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. Earn 2% cash back on all purchases. Spend $1,000 on the card within the first 90 days to receive a $100 bonus.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash signup bonus To earn the $100 bonus this must be a new Visa relationship. Bonus does not apply to existing Visa loans that are transferred or converted to a Signature Visa with Cash Back Rewards card. To qualify for a Signature Visa with Cash Back Rewards you must have an open checking account. Cash back rewards are credited annually in November to your open OnPoint checking account. If you close your OnPoint checking account before rewards are paid, even if your Signature Visa with Cash Back Rewards loan is active, you will forfeit your rewards for that year. To be eligible for this bonus offer, credit card account must be open and not in default at the time of fulfillment. All terms, including APRs and fees, may change as permitted by law and the ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash signup bonus$100 cash award. After $1,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. Spend $1,000 on the card within the first 90 days to receive a $100 bonus.ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash signup bonus To earn the $100 bonus this must be a new Visa relationship. Bonus does not apply to existing Visa loans that are transferred or converted to a Signature Visa with Cash Back Rewards card. To qualify for a Signature Visa with Cash Back Rewards card you must have an open checking account. Cash back rewards are credited annually in November to your open OnPoint checking account. If you close your OnPoint checking account before rewards are paid, even if your Signature Visa with Cash Back Rewards loan is active, you will forfeit your rewards for that year. To be eligible for this bonus offer, credit card account must be open and not in default at the time of fulfillment. All terms, including APRs and fees, may change as permitted by law and the ONPOINT COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website