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Classic Credit Card

Looking for a low rate credit card without all the fuss? Our Classic Credit Card might just be the credit card for you.

Apply for your Credit Card Online
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Looking for a low rate credit card without all the fuss? Our Classic Credit Card might just be the credit card for you. Apply for your Credit Card Online

This is the Audrey Hepburn of credit cards

If you're looking to keep things classy...this is the credit card for you. It's straightforward and honest. No hidden fees or gimmicks. Are you looking to do a balance transfer and pay off your current credit card? Our Classic Credit Card is the perfect choice.

How do you know if the Classic Credit Card is right for you?

  • Same low rate for purchase or cash advances
  • NO Annual Fee
  • NO Balance Transfer Fee
  • Set up a Family Credit Card to have multiple users, assign credit limits and monitor spending

Apply online for your Classic Credit Card 

Managing your credit card account has never been easier with our time saver mobile app

  • Make a payment
  • Check your balance
  • View available credit limit
  • View transaction history

Download the app today

Protection for you and your credit card are a top priority for us

  • State-of-the-art EMV Chip Security for safer transactions at the checkout
  • Price Protection that guarantees the best price on new products purchased with your credit card. If you find a lower price for the same product within 60 days of your purchase, you will receive a refund on the difference up to $250 per claim
  • Identity Theft Resolution Services that provide assistance with the process of restoring your identity in the event of identity theft
  • Enjoy an Extended Warranty that duplicates the terms of the original manufacture's warranty up to one full year upon expiration of the manufacture's warranty.

Get your Classic Credit Card questions answered by a PRO

Transparency is important to us. Our fine print is actually the same size as anything else we talk about.

How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).” Click here to view account agreement for more details.

Billing Rights:
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Click here to view.

Interest Rates & Charges
Annual Percentage Rate (APR) for purchases, balance transfers and cash advances 9.24 - 20.99%
APR will vary with the market based on the prime rate.
Penalty APR None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchased if you pay your entire balance by the due date each month. We will be begin charging interest on cash advances and balance transfer on the transaction date.
Minimum Interest Charge None
For credit card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/
Fees
Annual Fee None
Balance Transfer None
Cash Advance None
Foreign Transaction 1% of each transaction in US dollars
Late Payment $25 or your minimum payment required, whichever is less if your payment is late 5 days or more and your balance is $100 or more
Returned Payment $25 or your minimum payment required, whichever is less if your payment is returned for any reason
Interested in Establishing Your Credit?

Interested in Establishing Your Credit?

A safe and easy way to build your credit is with an Experience Oklahoma Rewards Credit Card. It’s as simple as making your credit card payments on time every month. Want to set up automatic payments so you never have to worry about if you’re on time or not? Just say the word.

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Happy To Help Stories

Why do our members love being part of OECU? Find out below.

  • OECU Happy Face

    I forgot to change my credit limit before I left for vacation, and in just a few minutes I was able to use it with no problems!

    – Tonya A.

  • Kassandra S.
    I started my credit by applying for a secured credit card! I have been advised on how to maintain good credit history and pay off my credit card.

    – Kassandra S.
  • Charles D.

    I can get unbiased advice from you about credit and credit cards. Thanks.

    – Charles D.

  • Beverly Jane S.

    OECU went above and beyond in guiding us through our identity theft crisis. We appreciate their professionalism and understanding!

    – Beverly Jane S.

  • Chelsea C.

    I was able to open a line of credit with OECU’s credit card program. When I had to buy a car, my good credit score helped me get a low interest rate.

    – Chelsea C.

  • Crystal G.

    We have been able to secure a credit card and auto loans, which could not have been done without the exceptional personnel of OECU.

    – Crystal G.