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OECU Visa Platinum Credit Card

Oklahoma Educators Credit Union

NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
9.49–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Contract X-Ray — what's buried in the fine print

0 red flags · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Oklahoma Educators Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
18%
≤619
18%
620–719
12.99%
720+
9.49%
Lowest offered9.49%
Median12.99%
Highest offered18%

Cash advance APR

No score
18%
≤619
18%
620–719
12.99%
720+
9.49%
Lowest offered9.49%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feegreater of 2% or $2
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance charge$2
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services

None reported

Features
  • Chip card

Issuer note: Merchandise and Gift Cards

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation

Affiliation: Educator, student, SEG and direct family

Phone800-324-8259
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 12.99%$389.70
Annual / periodic fees$0
Total yearly cost$389.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Oklahoma Educators Credit Union in the 2026 Q1 archive.

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