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Rewards Credit Card

Spend. Earn Points. Redeem Points. Repeat. 

Earn when You Spend with the Rewards Credit Card

 

If you love supporting local businesses and earning cash back, the Rewards Credit Card might be the card for you.

Earn points

Earn one point for every $1 you spend. Use your points for cash back, local rewards, national rewards and travel rewards. Browse the rewards catalog.

No annual fee
No balance transfer fee
Cash advances

Enjoy the same low rate for purchases or cash advances

24/7 access with Digital Banking
Identity theft assistance

Identity Theft Resolution Services provide assistance with the process of restoring your identity in the event of identity theft

It’s Easy to Earn Rewards Points

 

Earning points is not limited to brick-and-mortar store purchases—You can also rack up points by using your Rewards Credit Card for monthly subscriptions and bills, online shopping, app purchases and more!

Click here to view easy ways to earn points
Get started today

 

Opening a Rewards Credit Card is quick and simple.

1

Apply online in a few minutes

2

Complete the application

3

Receive your Rewards Credit Card

Start earning points!

Earn 3x, 5x & so much more!

Use your Rewards Debit or Credit Card to earn more at a network of local and national merchants.

Browse Rewards

Browse the rewards catalog in Digital Banking to see how you can redeem your points.

Transparency is important to us. 

 

Billing Rights:

We use a method called “average daily balance (including new purchases)” to calculate your balance. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

 

Interest Rates & Charges
Annual Percentage Rate (APR) for purchases, balance transfers and cash advances
Smart 12.74 - 17.99%
Rewards 14.74 - 17.99%
Secured 10.99%
Penalty APR
Smart None
Rewards None
Secured None
Paying Interest
Smart Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date.
Rewards Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases 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.
Secured Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date.
Minimum Interest Charge
Smart $1.00
Rewards $1.00
Secured $1.00
For credit card tips from the Consumer Financial Protection Bureau
Smart To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau.
Rewards To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau.
Secured To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau.
Terms Smart Rewards Secured
Annual Percentage Rate (APR) for purchases, balance transfers and cash advances12.74 - 17.99%14.74 - 17.99%10.99%
Penalty APRNoneNoneNone
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date.Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases 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.Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date.
Minimum Interest Charge$1.00$1.00$1.00
For credit card tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card visit, 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.To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau.
Fees
Annual Fee
Smart None
Rewards None
Secured None
Balance Transfer
Smart None
Rewards None
Secured None
Cash Advance
Smart None
Rewards None
Secured None
Foreign Transaction
Smart 1% of each transaction in US dollars
Rewards 1% of each transaction in US dollars
Secured 1% of each transaction in US dollars
Late Payment
Smart $25 or your minimum payment required, whichever is less if your payment is late.
Rewards $25
Secured $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
Smart $25 or your minimum payment required, whichever is less if your payment is returned for any reason
Rewards $25 or your minimum payment required, whichever is less if your payment is returned for any reason
Secured $25 or your minimum payment required, whichever is less if your payment is returned for any reason
Fee Type Smart Rewards Secured
Annual FeeNoneNoneNone
Balance TransferNoneNoneNone
Cash AdvanceNoneNoneNone
Foreign Transaction1% of each transaction in US dollars1% of each transaction in US dollars1% of each transaction in US dollars
Late Payment$25 or your minimum payment required, whichever is less if your payment is late.$25$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$25 or your minimum payment required, whichever is less if your payment is returned for any reason$25 or your minimum payment required, whichever is less if your payment is returned for any reason

Hear from the best part about OKCU our members

When I was concerned about my credit score, a loan officer sat down and explained how credit worked and what to do to help raise my score.
I opened an account with OKCU at 15 and I’ve been with the credit union for 23 years. They’ve helped me build my credit and stay on track with my payments.
I took out my first credit card through OKCU as a 17 year old, over 25 years ago. I used this to grow my credit for later on in life. I've been very thankful I was able to establish my credit at a young age.
OKCU helped me get out of serious credit card debt that had piled up over years. I am very pleased with the professionalism, attention to detail and friendliness of everyone who works here. Thank you for changing my life and helping me have more income to fund my upcoming wedding!
Once I decided to create the next phase of my professional career, I reached out to my long-time financial "go-to" and received a credit card line of $1,500. This has allowed me to become an American Red Cross Instructor in Adult, Child, and Pediatric first aid, CPR/AED, and a Certified Child/Babysitting Care Instructor. I am currently working with a coach from the Small Business Administration to begin a mobile service and 100% women-owned business in our state.
Oklahoma’s Credit Union took a chance on me by granting me my first credit card, a lifeline that allowed me to rebuild my credit from scratch. With their support, I learned financial discipline and responsibility, slowly but steadily improving my credit score. OKCU's belief in me changed the trajectory of my financial journey, setting me on a path towards stability and success.
I was going through a first time homebuyer program to purchase a house. The mortgage lender let me know that I needed some sort of revolving credit to qualify. So, I reached out to OKCU to open a credit card and started using the credit as needed. Seven months later I became a home owner!
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Helping Oklahomans
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Members