Important Information: If you have an OceanAir Credit Card, please activate the new card and begin using it on 10/10. Your old credit card will no longer work starting 10/10. This change is being made to offer you an integrated digital experience and more benefits. We thank you for your patience and flexibility.

Epic rewards credit card

Unlock More With Every Swipe

Introducing the OceanAir Epic Rewards Credit Card — where everyday purchases turn into extraordinary perks

  • Earn Points Fast: Get up to 5 points per dollar spent on your everyday transactions
  • Flexible Redemption: Use your rewards for gift cards, cash back, merchandise, gas discounts, and more.
  • No Annual Fee: Enjoy premium benefits without the premium price tag.
Apply Now

Earning Is Easy When Every Dollar Counts

Discover how your spending turns into rewards with the OceanAir Epic Rewards Credit Card—see the points-per-dollar breakdown below1.

  • 5 Points

    Gas, Travel, and Hotel & Lodging Transactions

  • 4 Points

    Costco and Sam’s Club Transactions

  • 3 Points

    Groceries and Dining Transactions

  • 2 Points

    Utilities and Streaming Service Transactions

  • 1.5 Points

    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.

How It Works

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.

Get Rewarded for Spending

  • Real-time purchase alerts
  • Expert customer service
I’m Ready for Rewards

Additional 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 PurchasesVisa Platinum
13.25% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

EPIC Rewards Platinum Visa
16.50% to 16.50%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance TransfersVisa Platinum
13.25% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

EPIC Rewards Platinum Visa
16.50% to 16.50%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash AdvancesVisa Platinum
13.25% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

EPIC Rewards Platinum Visa
16.50% to 16.50%, 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 AppliesVisa 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 PurchasesYour 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 ChargeIf you are charged interest, the charge will be no less than $1.50
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 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:

$5.00

Rush Fee:

$50.00 a second day.

Statement Copy Fee:

$5.00 per document.

Consumer Credit Card Agreement & Disclosure

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.

You are leaving the OceanAir Federal Credit Union website

You are being directed to a third-party website.

Please note that this third-party website is not controlled by OceanAir Federal Credit Union or subject to our privacy policy.

Thank you for visiting our site. We hope your visit was informative and enjoyable.