Low Introductory Rate: 0% introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 12 months, and say goodbye to annual fees and foreign transaction fees.
Earn points redeemable toward cash back, gift cards, travel, and merchandise with every purchase.
1.25 points per dollar spent on all qualifying purchases.
5 points per dollar spent at qualifying Beaver merchants, including the OSU Beaver Store, Oregon State Alumni Association, Beaver Ticket Central, and Oregon State University Foundation.
10,000 bonus points when you complete your first purchase and spend at least $500 in the first 90 days.
Shop with confidence: With the Beaver Card, you can have peace of mind knowing you have zero fraud liability and a card with secure microchip technology.
Annual Percentage Rate (APR)
0% introductory APR on purchases and balance transfers for the first 12 months.
Purchases and balance transfers after introductory period, 11.99% to 21.99% variable, based on credit.
Cash advances have a variable rate of 16.99% to 26.99%, based on credit.
Foreign transaction fees:
Purchase APR: 0.00% introductory APR for 12 months. After that 11.99% to 21.99%, 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 11.99% to 21.99%, based on creditworthiness and will vary with the market based on Prime rate. Cash Advance APR will be 16.99% to 26.99%, based on creditworthiness and will vary with the market based on Prime rate. 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.