While you won’t find out how much in credit you can get with the OnPoint Community Credit Union Platinum Visa with Rewards until after applying, there are many other details available. This credit card is attached to the CURewards Program, which is one of the most well-known credit card rewards membership programs in the credit union industry. Other features include around-the-clock customer service availability and emergency cash assistance.
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Although the OnPoint Community Credit Union lists all of its credit card terms publicly, the Consumer Financial Protection Bureau also explains credit card charges in a clear manner.
Charges for the OnPoint Community Credit Union Platinum Visa with Rewards card are slightly higher than other credit cards from this credit union.
OnPoint Community Platinum Visa Rewards Credit Card Terms
For the first six months, all new OnPoint Community CU Platinum Visa with Rewards credit cardholders pay 3.99% in interest charges on everyday transactions. The standard APR rises to 8.9% to 17.9% after this introductory period is over. The penalty interest rate is also 17.9%.
The OnPoint Community Credit Union has no additional charges listed for ATM fees or cash advances from the credit card, but these transactions are calculated at a slightly higher interest rate. Cash advances and balance transfer charges vary from 10.9% to 17.9% interest. All interest rates can fluctuate due to a change in credit score, as well as significant changes in credit card repayment histories.
OnPoint Community Platinum Visa Rewards Credit Card Options
Credit card design customization features do not appear to be offered by the OnPoint Community CU. However, options like rental car collision waiver damage insurance are available. The OnPoint Community CU Platinum Visa with Rewards credit card also has $500,000 in available travel accident insurance that comes for free. This insurance plan covers both cardholders and their loved ones during travel.
CUReward points are instantly redeemable. One point is earned when you spend $1 on your OnPoint Community Credit Union Platinum Visa with Rewards credit card.
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