Nice Perks


Get nice rewards with every credit card transaction. For every dollar you spend on your NICE PERKS® Visa® Credit Card, you'll earn points that are redeemable for cash back, gift cards, travel rewards, merchandise. To make it even nicer, you'll also get low rates and no fees. Plus, you’ll have the peace of mind that comes with knowing you have zero fraud liability and a card with secure microchip technology that is compatible with mobile wallets. When you make an in-store purchase at a chip-reading payment terminal, the microchip in your NICE PERKS Visa Credit Card generates a one-time encrypted code that helps prevent fraud, so you’re more protected than ever. OCCU doesn’t stop there though. We also provide our credit card holders with a free, enhanced fraud detection program that constantly monitors all purchases and searches for unusual patterns, time frames, locations and trends to pinpoint fraud. If our program spots suspicious activity, we contact you immediately. Great rewards, low rates, no fees, extra security —
How's that for nice?


Low Introductory Rate: Get 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.

Score rewards: Earn points redeemable toward cash back, gift cards, travel, and merchandise with every purchase with 1.25 points per dollar spent on all 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,® Google Pay,TM Samsung Pay, and Visa Checkout.®


Annual fee: None

Annual Percentage Rate (APR)

  • 0% introductory APR on purchases and balance transfers for the first 12 months.

  • Purchases and balance transfers after introductory period, 11.74% to 21.74% variable, based on credit.

  • Cash advances have a variable rate of 16.74% to 26.74%, 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: 0.00% introductory APR for 12 months. After that 11.74% to 21.74%, 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 11.74% to 21.74%, based on creditworthiness and will vary with the market based on Prime rate. Cash Advance APR will be 16.74% to 26.74%, 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 09/01/2018, when this content created. Contact OCCU Card Services at 800.365.1111 for current rates and terms.