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OSCU Visa Value card

OSCU Visa Value

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Regular purchase APR
12.00% to 22.00% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The OSCU Visa Value Card is the ideal balance transfer and low APR credit card for members of the Oregon State Credit Union. The card features an exceptionally competitive typical APR on purchases, balance transfers, and cash advances, making it perfect for those who either prefer to carry a balance on their cards or who are looking to consolidate existing debt into one easy to manage monthly payment. The card also benefits from no annual fees and no additional fees for conducting a balance transfer.

Our review of the OSCU Visa Value

Are you someone who prefers to carry a balance on their credit card? Look no further than the OSCU Visa Value Card from Oregon State Credit Union (OSCU). With a highly competitive APR for purchases, cash advances, and balance transfers, this card is perfect for those with excellent credit scores. Expect interest rates of around 9%, making it a top choice compared to other national and international lenders.

The real standout feature of the OSCU Visa Value Card is its low APR of around 9%, a rarity in the credit card market. This makes it an ideal option for financing large purchases or consolidating existing credit card debt into one manageable payment. While carrying a balance on a credit card can be risky, the OSCU Visa Value Card eases the burden with its competitive rates.

In line with other offerings from OSCU, the OSCU Visa Value Card is free of hidden fees. Cardholders won’t have to worry about annual fees or cash advance and balance transfer fees. The only fee to be aware of is a small foreign transaction fee for international use.

Is the OSCU Visa Value Card right for you? While not designed for travel, this card shines as a balance transfer and low APR option for OSCU members. Explore other credit card offers from Oregon State CU to find the best fit for your financial needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Competitive APR on purchases, balance transfers, and cash advances
  • No balance transfer fees

Who this card may suit

  • You already bank with Oregon State Credit Union
  • You do't mind carrying a balance on your card
  • You want to finance a large purchase over several months
  • You want a great APR on purchases, balance transfers, and cash advances

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR12.00% to 22.00% variable based on creditworthiness and the Prime Rate
Balance Transfer APR12.00% to 22.00% variable based on creditworthiness and the Prime Rate
Cash Advance APR12.00% to 22.00% variable based on creditworthiness and the Prime Rate
Foreign Transaction FeeUp to 1% of the transaction amount in U.S. dollars
Late Payment Penalty Fee$25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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OSCU Visa Value

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