Oregon State Credit Union Credit Cards

We found 2 Oregon State Credit Union credit cards. Read on to get more insights.

By Hanna Volkava
Updated April 01, 2026

Best Credit Cards in April 2026

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OSCU Visa® Value
Annual fee:
$0
Regular APR:
12.00% - 22.00% Variable
Our Rating:
3.36
scorer
Credit score
Good to Excellent (670-799)
  • Balance Transfer APR:
    12.00% - 22.00% Variable
  • Issuer name:
    Oregon State Credit Union
  • Details:

    The OSCU Visa® Value Credit Card doesn't charge an annual fee. The APR for purchases and balance transfers is 12.00% - 22.00% Variable.

  • Pros:
    • No Annual Fee
    • No balance transfer fee
    • No cash advance fee
    • No penalty interest rate
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Contactless payments;
    • Credit limits from $500 – $50,000;
    • Cash advance withdrawals available from nationwide ATM network;
    • Free auto rental collision damage waiver.
Card detail
OSCU Visa® Rewards
Annual fee:
$25 annually
Regular APR:
14.50% - 25.00% Variable
Our Rating:
2.51
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Balance Transfer APR:
    14.50% - 25.00% Variable
  • Issuer name:
    Oregon State Credit Union
  • Details:

    The OSCU Visa® Rewards Credit Card doesn't charge an annual fee.

    The Card earns 1% Cash Back on all purchases.

    The APR for purchases and balance transfers is 14.50% - 25.00% Variable.

  • Pros:
    • No balance transfer fee
    • No cash advance fee
    • No penalty interest rate
  • Cons:
    • Annual Fee
  • Benefits:
    • 1% Cash Back on all purchases;
    • Credit limits from $500-$50,000 based on credit history;
    • Cash advance withdrawals available worldwide;
    • Free auto rental collision damage waiver.
Card detail

How to Choose the Right Oregon State Credit Union Credit Card?

Sometimes, choosing the right credit card from a specific credit card company is quite hard. Considering Oregon State Credit Union, there are three steps that can make your decision process easier.

First of all, you are to check your current credit score. It varies from "Poor” to “Excellent”, and the higher your credit score is, the better Oregon State Credit Union credit card offers and terms are available to you.

Then, you need to understand why you need a Oregon State Credit Union credit card and determine key aspects your future credit card should have. If you want a credit card to improve your credit, look for the ones with long grace period and no annual fee. If your goal is to save money on interest, Oregon State Credit Union credit cards with the lowest interest and long intro offer are your best choice. In case you are looking for a credit card that will provide you cash rewards, pay attention to the rewards program the Oregon State Credit Union offers.

As a third step, you should compare the Oregon State Credit Union credit cards you think are the best for you, but taking into consideration all the aspects. Overall, the best credit card fits the following characteristics: low interest rate, long grace period, low fees, extended credit limit, the finance charge calculations include one billing cycle only, and large rewards and sign-up bonuses. You can easily compare Oregon State Credit Union credit cards in the table below.

Side-by-Side Comparison of Oregon State Credit Union Credit Cards

Card Name APR Annual fee Rewards Intro offer
Visa® Value 12.00% - 22.00% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Visa® Rewards 14.50% - 25.00% Variable $25
  • 1% Cash Back on all purchases.
  • No current offer.
  • Conclusion

    Today, Oregon State Credit Union issues a range of credit cards with different features, yet it’s important to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us