Credit Cards

Choose your card and choose your rewards

Cash • Gift Cards • Travel • Merchandise

• 0% APR for 12 Months on purchases and balance transfers*
• 10,000 bonus points when you complete your first purchase and spend at least $500 in the first 90 days
• Earn 1.25 points per $1 spent on every purchase
• Earn 5 points per $1 spent on qualifying purchases when you use your Duck or Beaver card
• Earn 2 points per $1 spent on qualifying charitable contributions when you use your NICE PERKS card
• No annual fees or foreign transaction fees

NICE PERKS® Platinum Visa®
Credit Card

With the NICE Perks Platinum Visa Credit Card, earn up to 10,000 bonus points in the first 90 days. Get 1.25 points per dollar spent on qualifying purchases for travel, gift cards and cash rewards. Also enjoy 0% introductory APR* on purchases and balance transfers, and no annual fee.

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NICE® Platinum Visa® Credit Card

Get a 0% introductory APR* on purchases for 12 months and on balance transfers for the first 12 months if you transfer within 60 days of the account opening. APR on purchases and balance transfers is as low as 11.24%. Plus, there's no annual fee, no foreign transaction fee, and the ease of Apple Pay,® Google Pay,TM Samsung Pay and Visa Checkout.®

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The Duck Card

Put your Duck pride on display while earning extra points whenever you shop at participating merchants, including the Duck Store, UO Ticket Office, and donations to the University of Oregon Foundation. Plus, get up to 10,000 bonus points and 0% introductory APR* on purchases and balance transfers for the first 12 months.

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OSU Beaver Card

Showing off your Beaver spirit earns you up 10,000 points for opening your Beaver Card account, and earn more points for shopping at participating Beaver merchants or making donations to the Oregon State University Foundation. Plus, get 0% introductory APR* on purchases and balance transfers for the first 12 months.

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“

“We used the NICE PERKS card through the credit union and that’s been very helpful because of the rewards program...”

Kyle W

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Purchase APR: 0.00% introductory APR for 12 months. After that 10.49% to 21.49%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer APR: 0.00% introductory APR for 12 months from account opening date for balance transfers completed within 60 days from the account opening date. After that, Balance Transfer APR will be 10.74% to 21.74%, based on creditworthiness and will vary with the market based on Prime rate.
Cash Advance APR will be 15.49% to 26.49%, based on creditworthiness and will vary with the market based on Prime rate (5.00%). Balance Transfer Fee / Cash Advance Fee, $10.00 or 3.00% of the amount of each balance transfer or cash advance, whichever is greater. Foreign Transaction Fee, None. Annual Fee, None.
Introductory terms are for new cardholders only. If you have received the benefit of a card promotion on an OCCU credit card product in the past 24 months you are not eligible for this promotion. We will not process any balance transfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, OCCU Card Services, LLC or our affiliates. Membership and eligibility restrictions apply.
Rates and terms effective as of 1/01/2020, when this content was created. Contact OCCU Card Services at 800.365.1111 for current rates and terms.