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Epic Rewards
Earn back in rewards on the things you buy the most.
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Introducing the OceanAir Epic Rewards Credit Card — where everyday purchases turn into extraordinary perks
Discover how your spending turns into rewards with the OceanAir Epic Rewards Credit Card—see the points-per-dollar breakdown below1.
Gas, Travel, and Hotel & Lodging Transactions
Costco and Sam’s Club Transactions
Groceries and Dining Transactions
Utilities and Streaming Service Transactions
All Other Transactions
1For a full list of merchants and additional point information, click here. Membership and account eligibility requirements apply. All loans are subject to credit approval. Some transactions may not qualify for rewards. Program rates, terms, and conditions may change at any time without notice.
Spend on what you love — groceries, gas, streaming, and more.
Earn points automatically with every transaction2.
Redeem your way: cash back, gift cards, gas discounts, merchandise and more.
2Some transactions may not qualify for rewards. Program rates, terms, and conditions may change at any time without notice.
1 APR = Annual Percentage Rate.
We use a method called “average daily balance (including new purchases).”
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Except as limited by applicable law, a minimum interest charge may be assessed to your account on amounts above $25.00
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.
$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.
$25.00 or the amount of the required minimum payment, whichever is less.
$25.00 or the amount of the returned convenience check, whichever is less.
$5.00
$50.00 a second day.
$5.00 per document.
Consumer Credit Card Agreement & Disclosure
Terms and Conditions
OceanAir does not control how merchants assign their Merchant Category Codes (MCCs). Each merchant selects its MCC based on its primary business activity. Only purchases processed under eligible MCCs will qualify for rewards. If a merchant uses a different code, your transaction may not earn points.
Membership and account eligibility requirements apply. All loans are subject to credit approval. Some transactions may not qualify for rewards. Program rates, terms, and conditions may change at any time without notice. For complete details, please refer to the Epic Rewards – OceanAir Federal Credit Union and review the full Program Terms & Conditions. Visa® is a registered trademark of VISA U.S.A. Inc.
If you have questions about qualifying purchases or need more information, please contact Member Services at 805.988.2151.
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