OnPoint Credit Card – Rates, Costs, and Fees

Are you on the hunt for a credit card that fits your lifestyle like a glove? Look no further than the OnPoint credit card from your local community credit union. With this versatile card, you’ll enjoy the freedom to spend securely wherever life takes you – whether that’s around the corner or on the other side of the globe.

This post will provide an overview of the benefits, features, rates, and other information you need to know about the OnPoint credit card.

The Benefits of an OnPoint Credit Card

When you choose an OnPoint credit card, you’re not just getting a piece of plastic – you’re gaining a trusty companion for all your financial endeavors. Here are some of the key benefits that set this card apart:

Low Variable Rates: Say goodbye to sky-high interest rates that make your purchases more expensive in the long run. With an OnPoint credit card, you’ll enjoy a low variable rate that keeps your expenses manageable.
No Annual Fee: Why pay extra for the privilege of using your own money? OnPoint credit cards come with zero annual fees, saving you money year after year.
Zero Fraud Liability: Worry less about unauthorized charges or identity theft with OnPoint’s zero fraud liability protection. If your card is lost or stolen, you won’t be held responsible for any fraudulent activity.
Rewards and Cash Back: Depending on the specific OnPoint card you choose, you could earn rewards points or cash back on your purchases. More on that later!
Worldwide Acceptance: Whether you’re shopping locally or globetrotting, your OnPoint credit card will be accepted at millions of locations worldwide, thanks to the power of the Visa network.

Features

In addition to the benefits above, OnPoint credit cards come loaded with features designed to simplify your life and give you greater control over your finances:

Freeze Card: Can’t find your card? No sweat! You can freeze it instantly from your smartphone or laptop to prevent unauthorized use.
Card Replacement: If your card is truly lost or stolen, OnPoint will ship you a replacement card right away, minimizing any inconvenience.
Transaction Alerts: Set up custom alerts to monitor unusual activity and stay on top of your purchases.
Overdraft Protection: Link your OnPoint credit card to your checking account to avoid costly overdraft fees.
Digital Banking and Mobile App: Manage your account, view statements, and track spending with ease using OnPoint’s user-friendly online banking platform and mobile app.

Additional Perks and Services

OnPoint credit cards come with a range of additional perks and services to enhance your overall experience:

Travel and Accident Insurance: Certain OnPoint credit cards offer travel and accident insurance coverage for added peace of mind while globetrotting.
Digital Wallet Integration: Easily add your OnPoint credit or debit card to popular digital wallets like Apple Pay, Google Pay, and Samsung Pay for secure, contactless payments.
24/7 Customer Support: If you ever have questions or concerns, OnPoint’s customer support team is available around the clock to assist you.

Rates, Costs, and Fees

Now, let’s dive into the all-important details about rates, costs, and fees associated with OnPoint credit cards:

Rates:

The OnPoint Signature Visa with Cash Back Rewards and the Signature Visa with Rewards both offer variable rates tailored to your creditworthiness and financial situation.
The Platinum Visa with Rewards and the Platinum Visa provide low variable rates with no annual fee.

Costs and Fees:

No annual fee for any OnPoint credit card.
Zero foreign transaction fees, making international purchases more affordable.
Potential fees for late payments, balance transfers, cash advances, and other services may apply – be sure to review the terms and conditions carefully.

Different Rewards and Cash Back Programs

One of the most exciting aspects of OnPoint credit cards is the opportunity to earn rewards or cash back on your purchases. Here’s a breakdown of the different programs:

OnPoint Signature Visa with Cash Back Rewards:

Earn a flat 2% cash back on all purchases, with no limits or caps.
Cash back is automatically redeemed annually and deposited into your OnPoint checking account – no need to track points!
Earn a $100 bonus after spending $1,000 within the first 90 days.

The OnPoint Signature Visa with Rewards:

Earn 3 points per $1 spent on travel (airfare, hotels, car rentals, etc.).
Earn 2 points per $1 spent on dining.
Earn 1.25 points per $1 spent on all other purchases.
Redeem points for travel, cash, merchandise, and more.
Points never expire.

OnPoint Platinum Visa with Rewards:

Earn 1 point per $1 spent on all purchases.
Redeem points for travel, cash, merchandise, and more.
Unused points expire after four years.

How to Apply for an OnPoint Credit Card

Ready to take the plunge and apply for an OnPoint credit card? The process is straightforward and can be completed entirely online:

Visit the OnPoint website and click on the “Apply for Your OnPoint Credit Card Today” button.
Enter your personal information, including name, email address, and whether you’re an existing OnPoint member.
Follow the prompts to complete the application, providing details about your income, employment, and existing credit accounts.
Review and agree to the terms and conditions.
Submit your application and wait for approval.

Tips to Activate Your New OnPoint Credit Card

Once your application is approved and you receive your shiny new OnPoint credit card in the mail, it’s time to activate it. Here’s how:

Locate the activation sticker or instructions that came with your card.
Call the provided toll-free number or visit the specified website.
Follow the prompts to activate your card, which may involve verifying personal information or creating a PIN.
Your card is now ready to use.

Logging In and Managing Your Account

To manage your OnPoint credit card account, take advantage of the user-friendly Digital Banking platform and mobile app:

Visit the OnPoint website and click on the “Log In” button.
If you’re a new user, click “Sign Up Now” to enroll in Digital Banking.
Once logged in, you can view statements, update personal information, set up alerts, and more.
Download the OnPoint mobile app for iOS or Android to manage your account on the go.

Forgotten Login Details? No Problem.

If you’ve misplaced your login credentials for Digital Banking, don’t worry – it’s easy to retrieve them:

Visit the OnPoint website and click on the “Log In” button.
Select the “Forgot Password” or “Forgot Username” option.
Follow the prompts to reset your password or recover your username, usually by verifying personal information or answering security questions.

Tips to Make Payments on Your OnPoint Credit Card

Staying on top of your credit card payments is crucial for maintaining a healthy credit score and avoiding interest charges. With OnPoint, you have multiple convenient payment options:

Online Bill Pay: Log in to Digital Banking and use the built-in Bill Pay feature to make one-time or recurring payments from your OnPoint account or an external bank account.

Mobile App: Use the OnPoint mobile app to make payments on the go, anytime, anywhere.

Automatic Payments: Set up automatic payments to deduct the minimum amount due (or more) from your OnPoint account each month.

By Phone: Call the customer service number on the back of your card to make a payment over the phone.

By Mail: Send a check or money order to the payment address provided on your statement.

Conclusion

Whether you’re a frequent traveler, an online shopper, or simply someone who values convenience and flexibility, the OnPoint credit card is a versatile companion that deserves a spot in your wallet.

With its low rates, no annual fees, rewards programs, and a host of user-friendly features, this card truly puts the power in your hands. So why wait?

Explore the different OnPoint credit card options today and find the one that best fits your lifestyle and spending habits. With OnPoint by your side, you’ll enjoy a world of possibilities – wherever life takes you.