The NICE card

Our NICE® Platinum Visa® Credit Card offers the nicest (lowest) rate, backed by our remarkably nice service.

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Benefits

Purchases and Balance Transfers
Take advantage of a 0% introductory Annual Percentage Rate (APR) for the first 12 months on purchases and balance transfers.37

Lowest Rate
Starting at 13.74% APR37, the NICE Platinum Visa Credit Card offers our lowest interest rate.

Shop safely
Have peace of mind knowing you have zero fraud liability2, a card with secure microchip technology, and the option to use your card with digital wallets.

Terms

Annual fee
None

Annual Percentage Rate (APR)

  • 0% introductory APR on purchases and balance transfers for the first 12 months.37
  • Purchases and balance transfers after introductory period, 13.74% to 23.74% variable APR, based on credit.
  • Cash advances have a variable APR of 18.74% to 28.74%, based on credit.


Foreign transaction fees
None

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37Purchase APR: 0.00% introductory APR for 12 months. After that 13.74% to 23.74%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer APR: 0.00% introductory APR for 12 months from account opening date for balance transfers completed within 60 days from the account opening date. After that, Balance Transfer APR will be 13.74% to 23.74%, based on creditworthiness and will vary with the market based on Prime rate. Cash Advance APR will be 18.74% to 28.74%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer Fee / Cash Advance Fee, $10.00 or 3.00% of the amount of each balance transfer or cash advance, whichever is greater. Foreign Transaction Fee, None. Annual Fee, None.

Introductory terms are for new cardholders only. If you have received the benefit of a card promotion on an OCCU credit card product in the past 24 months you are not eligible for this promotion. We will not process any balance transfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, OCCU Card Services, LLC or our affiliates. Membership and eligibility restrictions apply.

Rates and terms effective as of 10/01/2024, when this content was created. Contact OCCU Card Services at 800.365.1111 for current rates and terms.
 

2Subject to conditions. See an associate or your account agreement for details.