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 November 01, 2024

Best Credit Cards in November 2024

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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?

Choosing the best credit card from a specific credit card company is quite hard. Considering Oregon State Credit Union, the three following steps will help you.

First of all, you should figure out your current credit score. It can vary from "Poor” to “Excellent”, and the higher your credit score is, the better Oregon State Credit Union options of credit cards are available to you.

Then, you need to identify why you need a Oregon State Credit Union credit card and determine the most crucial aspects your potential credit card must have. If you want a credit card to increase your credit score, look for those with large grace period and no annual fee. If your aim is to save money on interest, Oregon State Credit Union credit cards with the smallest interest and introductory rates are your best choice. In case you need a credit card that will provide you cashback, pay attention to the rewards program the Oregon State Credit Union offers.

Finally, try tocompare the Oregon State Credit Union credit cards you find the best for you, but considering all the aspects. Overall, an ideal credit card has the following characteristics: near-zero annual percentage rate (APR), low fees, extended credit limit, and big 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 provides a wide range of credit cards with various options, yet it’s important to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us