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35

Visa® Value Credit Card

Oregon State Credit Union

One State/TerritoryFixed rateCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
None

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

0 red flags · 4 filed docs

Detected in the CFPB-filed cardholder agreements from Oregon State 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

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered10.25%
Median15.25%
Highest offered20.25%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Replacement Fee$6

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesOR
Membership requirementsOpen to the public
Phone5417144000
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

4 documents filed by Oregon State Credit Union in the 2026 Q1 archive.

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