Onyx Smart Rewards Credit Card

Onyx Smart Rewards Visa® enables you to earn rewards points through everyday purchases. There's no annual fee, and you can use this rewards credit card worldwide wherever Visa® is accepted.

• Access the Onyx Smart Rewards Program by earning one point for every dollar spent
• Credit limits available up to $25,000
• Variable rate starts as low as 12.99% APR*, depending on credit score
• 25-day interest-free grace period on new purchases
• Get the same APR for balance transfers and cash advances
• Utilize Visa® Concierge Service
• Includes an auto rental collision damage waiver, and travel accident insurance up to $500,000

Review our Consumer Credit Card Agreement prior to applying.

*Variable Rate. APR = Annual Percentage Rate. Your APR will initially e determined by your creditworthiness at the time of the application. The APR is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on ten (10) days prior to the first day of the month of the new quarter of each year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.