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Earn 5.00% APY* on balances up to $20,000 with a Rewards+ Checking account.
Earn 5.00% APY*

Earn 5.00% APY* on balances up to $20,000 with a Rewards+ Checking account.

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Smart Credit Card

A credit card with low rates and no hidden fees. It’s the smart choice.

Smart Credit Card Benefits

 

Check out what the Smart Credit Card has to offer.

No annual fee
No balance transfer fee
Cash advance

Enjoy the same low rate for purchases or cash advances

Family cards

Set up a family card to have multiple users, assign credit limits and monitor spending

24/7 access with Digital Banking
Get started today

 

Opening a Smart Credit Card is quick and simple.

1

Apply online in a few minutes

2

Complete the application

3

Receive your Smart Credit Card

Start using your card!

Free Personalized Financial Tools with Digital Banking

Digital Banking offers personal financial tools to help you through your financial journey. Create a budget, view spending by category, see your net worth and more.

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 13.24 - 17.99%
Rewards 15.24 - 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 advances13.24 - 17.99%15.24 - 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.
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