Epic Rewards

Whether you’re booking a dream vacation or paying at the pump, the Epic Rewards Credit Card pays you back every time you shop. It’s convenient, secure, and offers rewards on all qualified purchases on top of other great benefits.

Up to 5% back on qualified purchases⁺
A perfect credit card to pair with your Epic Premium Checking Account!
Easy cash advances and low rates.
Pay your credit card balances in any branch, online through OceanAir Online Access, or by mail.

Apply Now

Earn	As low as
5% back on Gas & Travel* 3% back on Groceries* 1% back on Everything Else**	17.25% APR¹

*On qualified purchases up to $6,000 annually
**Unlimited back on qualified purchases.
⁺See Rewards Program Guide for program details

Epic Rewards Visa® Cardholder Benefits

Auto Rental CDW – Visa® Auto Rental Collision Damage Waiver benefit (“Auto Rental CDW”) provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.
Personal ID Theft – The Personal Identity Theft benefit offers reimbursement for covered expenses you incur to restore your identity, up to a maximum of $5,000, as a result of a Covered Stolen Identity Event.
Security and support designed to keep your transactions and personal information safe. Learn more.
Falcon Fraud Detection System – This service provides you with additional VISA® Credit protection against fraud and theft. With the Falcon Fraud system, you receive continual monitoring of your card activity to help identify and prevent fraudulent transactions on your account. To report fraud or a lost or stolen card after hours call 800-234-5354.
EMV Chip Technology – EMV technology adds a layer of security to your card that makes it virtually impossible for fraudsters to duplicate.
Card Controls – With intuitive features such as real-time transaction alerts, customizable spending limits, and instant card blocking, Card Controls ensures users can manage and secure their financial transactions with ease and precision. You can find this feature in the OceanAir mobile banking app!
Credit Card Disclosure

VISA Credit Card Application and Solicitation Disclosure

¹ APR = Annual Percentage Rate.

Annual Percentage Rate (APR) for Purchases	Visa Platinum 14.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. EPIC Rewards Platinum Visa 17.25% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Platinum 14.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. EPIC Rewards Platinum Visa 17.25% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	Visa Platinum 14.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. EPIC Rewards Platinum Visa 17.25% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	Visa Platinum 18.00% EPIC Rewards Platinum Visa 18.00% This APR may be applied to your account if you: – Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.50
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 website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee – Annual Fee	NONE
Transaction Fees – Balance Transfer Fee – Cash Advance Fee – Foreign Transaction Fee	NONE NONE 1.00% of each transaction in U.S. dollars
Penalty Fees – Late Payment Fee – Returned Payment Fee	Up to $25.00 Up to $25.00

How We Will Calculate Your Balance:

We use a method called “average daily balance (including new purchases).”

Application of Penalty APR:

Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Minimum Interest Charge:

Except as limited by applicable law, a minimum interest charge may be assessed to your account on amounts above $25.00

Effective Date:

The information about the costs of the card described in this application is accurate as of: 10/24/2023
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Fees and Disclosures

Late Payment Fee:

$25.00 or the amount of the required minimum payment, whichever is less, if you do not make the required minimum payment by the statement due date.

Returned Payment Fee:

$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:

$25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:

$10.00

Rush Fee:

$35.00 a second day.

Statement Copy Fee:

$5.00 per document.

Epic Rewards

Epic Rewards Visa® Cardholder Benefits

VISA Credit Card Application and Solicitation Disclosure

Fees

Other Fees and Disclosures

Related Products

Epic Premium Checking

Platinum Visa

Personal Line of Credit