Enjoy 0% Intro APR¹ for 12 Months and Unlimited Cash Back
Let your credit card spending take you further with the cash back card that gives you more. Pay no interest for the first 12 months on purchases and balance transfers made in the first three months from account opening.** And enjoy unlimited cash back on eligible purchases.
- Earn 4%* on gas & travel
- Earn 3%* on dining out
- Earn 2%* on groceries
- Earn 1%* on everyday purchases
Spend with confidence with no expiration date on your cash back earnings, no annual fee, and a variable APR of 15.99% – 22.99%¹. You’ll also receive up to $1 million in travel accident insurance.
OUCU & Visa Credit Card Benefits
- Local member service
- Contactless pay
- Digital wallet
- Access through online banking
¹ APR = Annual Percentage Rate. Variable rates may change with the market based on the Prime Rate.
*These bonus categories are subject to an annual $15,000 aggregate spend limit. Additional rewards program purchases will earn back at 1% cash back.
**Credit Card Disclosure. Balance transfer must be from a non-OUCU card or loan. Balance transfer fee is $10 or 2% of the amount of each transfer, whichever is greater.
Visa Signature Unlimited Cash Back Features
Pay less when you spend abroad. We charge what Visa charges us, so you can shop, dine, and travel with fewer added costs.
24/7 roadside help when you need it—towing, jump starts, tire changes, lockout assistance, and more. A quick call can get you back on the road.
Book travel through CU Travel and earn up to 5% back in Hotel Dollars when you pay with your OUCU credit card.
You’re protected from unauthorized purchases if your Visa card is lost, stolen, or used fraudulently.
If your card is lost, stolen, or damaged, Visa can help replace it and ship it worldwide, often within 24–72 hours.
Need funds while waiting for a replacement card? Visa may be able to send an emergency cash transfer to a local Western Union.
With Sofar, get access to one-of-a-kind live music experiences and select presale offers.
Cardholder Exclusive Benefits
Airport Lounge Priority Pass™
Two free visits per year and a complimentary Priority Pass Membership, an exclusive OUCU Visa Signature Unlimited Benefit!
Priority Pass is the world’s largest independent airport lounge program, and access is not dependent on a specific airline or ticket class.
Complimentary Priority Pass Membership
- Get two free visits per year, $35 for each accompanying guest.
- $35 for each visit after your two complimentary entries.
- Use your Visa Signature Unlimited Cash Back Card as your lounge pass.
- You must have a same-day ticket on an eligible airline to access the lounge.
- Digital membership card with Priority Pass app available.
- Travel in style and enjoy complimentary refreshments away from the hustle and bustle of the departure hall.
Activate Your Priority Pass Now!
Members accept and must follow the conditions of use of the Priority Pass program.
Visa Signature Concierge
Helping cardholders research, book travel, make dining reservations, find event tickets, and event help with shopping!
Your Complimentary 24/7 Concierge, personal assistance for travel planning and more- available anytime, anywhere.
The Visa Signature Concierge Service fulfills the following types of requests:
- Travel Coordination - Domestic and International planning for air travel, lodging, recreation, and ground transportation, including reservations and arrangements
- Dining, Entertainment & Recreation - Such as sports and performance event tickets, dining reservations
- Personal Services - Such as gift ideas and flower delivery
- And More
Talk to your concierge now
1-800-953-7392 (within U.S.)
1-630-350-4551 (collect outside U.S.)
Learn more
*Free if issuer uses Visa Signature Concierge; Issuer pays if contracting with a concierge vendor; Cardholders pay for any services used.
Travel & Emergency Assistance Services
As a covered cardholder, you, your spouse and dependent children under 22 years old who are traveling with can call a dedicated toll-free number in the U.S., or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
Services include:
- Medical Referral and Emergency Transportation Assistance
- Emergency Message Service
- Prescription Assistance and Valuable Document Delivery Arrangements - can accommodate prescription needs or transport critical documents
- Legal Referral Assistance
- Emergency Ticket Replacement - arranges the replacement of new tickets, and assists with reimbursement
- Lost Luggage Locator Service
- Emergency Translation Service
To use the services, simply call the toll-free, 24-hour Benefit Administrator line at 1-800-992-6029. If You are outside the United States, call collect at 1-804-673-1675.
Signature Experiences
Getting the most value out of your benefits starts with being aware of the benefits you have access to.
