Your Everyday Low-Rate Card
The Visa Classic Card is designed for daily use and credit building—perfect if you want a reliable card with a low interest rate to manage everyday expenses and pay down balances faster.1
A straightforward card that helps you build credit responsibly while giving you the flexibility and security you need every day
Enjoy a credit limit up to $10,000, no international transaction fees2, and built-in fraud protection that keeps you safe wherever you go. Plus, pay easily with mobile wallets like Apple Pay, Google Pay, Samsung Pay, Garmin Pay, or Fitbit Pay, or using contactless tap technology.
- Low interest rates ideal for everyday spending and balance transfers1
- No international transaction or cash advance fees2
- Credit limit of up to $10,0001
- Fraud protection and One Time Passcode (OTP) security
- Mobile wallet-compatible and contactless payments
- Accepted worldwide at millions of merchants and 800,000+ ATMs
Boost Your Financial Power with These Tools
Looking for more ways to manage your money smartly? Explore our personal loans for unexpected expenses or auto loans to get you on the road faster—perfect companions to your new credit card.
Manage Your Monthly Subscriptions Easily
Use your OAS FCU card for recurring payments of your favorite monthly services—Netflix, your gym membership, Spotify, and more. Keep control of your budget while enjoying what you love.
Credit Cards Tailored to Your Life
Choosing the right credit card is easier than ever. Whether you want to build credit, save on interest, or earn rewards, we have the perfect credit card for your journey. Enjoy low rates, no hidden fees, and tools that put you in control.
GAP
Protects you if your vehicle is totaled or stolen and not recovered. Covers the difference between your vehicle’s market value (per Kelley Blue Book) and your loan balance—helping you avoid paying out of pocket.
Disclosures
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Credit approval required. Applicants must meet OAS FCU membership eligibility requirements and credit underwriting criteria. Annual Percentage Rate (APR) is variable and based on the Prime Rate To which we apply a margin determined by creditworthiness. Rates may change quarterly, are capped at 18.00% APR, and will not exceed the maximum rate permitted by law.
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OAS FCU does not charge foreign transaction fees or cash advance fees. Fees charged by merchants, ATM operators, or third-party service providers may apply.
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A 2.25% introductory APR applies to balance transfers posted to new credit card accounts during the first 12 billing cycles following account opening. After the introductory period, balance transfers are subject to the standard variable APR based on creditworthiness and the Prime Rate, as disclosed in the Consumer Credit Card Agreement and on the Rates page. Interest on purchases and cash advances accrues at the standard variable APR. The introductory balance transfer APR may be discontinued and the standard variable APR applied if the account becomes 60 days past due. No balance transfer fee applies during promotional period or thereafter. Membership eligibility required.
FAQs
General
A debit card uses money directly from your checking account—think of it as paying with cash electronically. A credit card lets you borrow money up to your credit limit and pay it back later. Credit cards help build your credit history, offer rewards, and provide extra purchase protections.1
Yes! Add authorized users without extra application or credit check; Platinum cardholders earn rewards on their purchases too.2,9
There is no penalty rates for one missed payment, but it’s best to pay on time to keep your credit strong and avoid extra interest. However, a late payment fee does apply. For current fee details, please visit our Fee Schedule.
You can request an increase via Online/Mobile Banking; our Lending Team will review your payment and credit history to make a decision and inform you. After you’ve built credit responsibly, you may request the release of pledged funds.2,3
If you are in the U.S.: it will arrive by regular mail in 7–10 business days after we approve the application.
If you live outside of the U.S.: we will ship it using regular mail or DHL with tracking or regular mail.5
A security deposit is a one-time amount you put down to back your loan or secured credit card. We hold it in pledge while it earns dividends. You can get it back once you pay off your loan or if your credit improves, and we release the funds. For Secured Visa Classic, your deposit sets your credit limit.3
Application & Eligibility
Apply online via our secure portal through Online Banking or the Mobile App or visit a branch in person.2
We offer Visa Classic, Secured Visa, and Visa Platinum Rewards—each designed for different needs like building credit, everyday use, or maximizing rewards.2
A secured card requires a deposit as collateral, ideal for building or rebuilding credit safely. Your deposit earns dividends while locked in.3
We report your monthly payments to credit bureaus to help establish or improve your credit history.4
Yes! The Secured Visa card helps you build credit safely from scratch with monthly reporting to bureaus.
No worries! The Secured Visa card is also great if you’re rebuilding credit by making on-time payments responsibly.
Usually proof of income and a completed application2.
Using Your Card Worldwide
No—we don’t charge any foreign transaction fees.
Visa updates its exchange rate daily at 2:05 PM Central U.S. time, applied to foreign currency transactions with no markups.
Yes, accepted by millions of merchants globally and over 800,000 ATMs.
We recommend notifying us before traveling to avoid interruptions and keep your card working smoothly.5
Managing Your Account & Payments
Use our Card Management Site within Online Banking or the Mobile App to set alerts, monitor spending, dispute charges, and make payments5.
Yes, link bank accounts or debit cards (U.S. or international) for automatic or manual payments.6
Set up automatic recurring payments via Online Banking, the Card Management Site, or the Loan Payment Portal. Prefer manual payments? Mail a check, use your bank’s bill pay service to pay VISA or our branches, pay in person at a branch, or call us or VISA for help.6
Yes! Paying extra saves on interest and helps get out of debt faster.5
Yes! Activate payment reminders and fraud alerts via our Card Management Site.
Log in to Online or Mobile Banking > ‘Manage Credit Card’ > MyCardInfo > ‘Account Info’ > ‘eStatements’ and enroll with your email.
Security & Fraud Protection
Call us or VISA immediately; we’ll freeze your account and send a replacement card quickly.5
Use Card Management Site > “Account Services” > “Dispute Transactions” or call/email us for help.1
Falcon Fraud Protection monitors 24/7.If it detects, we will you immediately.8
One-Time Password sent during online purchases/access adds an extra security layer to protect your info.
Yes! Call 1 888 891 2435 to request your PIN for ATM cash advances.
FAQ Disclosures
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Card benefits, protections, and dispute rights are subject to applicable account terms, Visa network rules, and Regulation E error-resolution requirements.
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OAS FCU credit cards are available to members only. All credit card products are subject to underwriting approval and account terms. Annual Percentage Rates (APRs) are variable and based on the Prime Rate, to which we apply a margin. Margins for Visa Classic and Visa Platinum cards are determined by creditworthiness, while Secured Visa cards use a fixed credit tier. Rates may change quarterly, are capped at 18.00% APR, and will not exceed the maximum rate permitted by law. Rates, fees, and features vary by card type.
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Secured credit cards are secured by funds already on deposit in a share or share certificate account at the Credit Union, which serve as collateral and continue to earn dividends. Release of the collateral is subject to credit card account performance and Credit Union approval.
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OAS FCU reports eligible account activity to consumer reporting agencies. Credit outcomes depend on individual credit behavior.
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Online, mobile, and card management features are subject to system availability and may be supported by third-party service providers. Travel notifications, replacement cards, and card delivery timeframes are subject to availability and processing timelines.
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Payment methods, processing times, and posting dates vary by the method used.
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Your Visa Platinum card earns points under the ScoreCard® Rewards program, available to eligible Visa Platinum Rewards cardholders, including base rewards and ScoreMore® promotional bonus point features, and are awarded only on eligible purchase transactions. Certain transactions, including balance transfers, cash advances, fees, interest charges, and other non-purchase transactions, do not earn points. Point expiration policies are established by OAS FCU. Reward catalogs, bonus offers, redemption options, pricing, and program functionality are administered by a third-party service provider and are subject to applicable terms, conditions, and availability.
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Fraud monitoring and security features may use automated tools and third-party services and do not guarantee prevention of unauthorized activity.
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Authorized users must meet Credit Union membership eligibility requirements, are permitted to use the account, and do not have ownership rights in the account. No separate credit application is required for authorized users. You, as the primary cardholder, remain fully responsible for all charges and repayment.