Nice Perks

NICE Perks

Get nice rewards with every transaction. Our NICE PERKS® Visa® Credit Card offers cash back, gift cards, travel rewards, merchandise, and low rates. How's that for nice?

Benefits

Low Introductory Rate: Get 0% introductory Annual Percentage Rate (APR) on balance transfers for the first 12 months,* and say goodbye to annual fees and foreign transaction fees.

Score rewards: Earn points redeemable toward cash back, gift cards, travel, and merchandise with every purchase. 1 point per dollar spent on all other qualifying purchases. 10,000 bonus points when you complete your first purchase and spend at least $500 in the first 90 days.

Shop with confidence: Have peace of mind with the NICE PERKS® Visa® Credit Card knowing that you have zero fraud liability, a card with secure microchip technology, and the option to use Apple Pay.

Terms

Annual fee: None


Annual Percentage Rate (APR)

  • Transfer balances at a 0% introductory APR for the first 12 months.

  • Purchases or balance transfers after introductory period, 10.49% to 20.49% variable, based on credit.

  • Cash advances have a variable rate of 15.49% to 25.49%, based on credit.


Foreign transaction fees: None

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

Kyle Welch

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*Purchase APR: 10.49% to 20.49%, 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 10.49% to 20.49%, based on creditworthiness and will vary with the market based on Prime rate. Cash Advance APR will be 15.49% to 25.49%, 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 balance transfers completed within the first 60 days of account opening to receive promotional rate. 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 03.1.17, when this site content was designed. Contact OCCU Card Services at 800.365.1111 for current rates and terms.