Epic rewards credit card

Earn Points and Rewards on Everyday Purchases

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

3,000 Bonus Points*: Earn 3,000 bonus points when you spend $1,500 in qualifying purchases within your first 90 days.
500 Bonus Points*: Earn 500 bonus points when you first access the Epic Rewards Credit Card Portal through online banking or the mobile app.
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.

See Bonus Offer Disclosure* and Terms & Conditions here.

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.

LIMITED TIME PROMOTION

Make Back-To-School Shopping More Rewarding.

From July 27, 2026 through September 30, 2026, qualifying Amazon purchases made with your OceanAir Epic Rewards Credit Card earn 3 points per $1 spent—double the standard earning rate of 1.5 points per $1.

Whether you’re checking off your back-to-school shopping list or stocking up on everyday essentials, now is the perfect time to earn more. Click here to read terms and conditions.

Apply Now

START EARNING REWARDS TODAY

Earn up to 3,500 Bonus Points

Get 3,000 bonus points when you spend $1,500 in qualifying purchases within your first 90 days after enrollment, plus 500 bonus points when you first access the Epic Rewards Credit Card Portal through online banking or the mobile app.*

Start earning rewards from day one on the purchases you make every day.

*Eligibility requirements apply. Offers are limited to one per eligible membership account/household and may be changed or discontinued at any time. Click here to read terms and conditions.

Apply Now

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 Purchases	Visa Platinum 12.75% 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 18.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Horizon Platinum Visa 18.00%
APR for Balance Transfers	Visa Platinum 0.00% Introductory APR for 12 months from account opening. After that, your APR will be 12.75% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. EPIC Rewards Platinum Visa 0.00% Introductory APR for 12 months from account opening. After that, your APR will be 18.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	Visa Platinum 12.75% 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 18.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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 – Visa Platinum, EPIC Rewards Platinum Visa – Horizon Platinum Visa	NONE $59.00
Transaction Fees – Balance Transfer Fee: Visa Platinum, EPIC Rewards Platinum Visa – Cash Advance Fee: Visa Platinum, EPIC Rewards Platinum Visa – Foreign Transaction Fee	3.00% of the amount of each balance transfer 3.00% of the amount of each cash advance 1.00% of each transaction in U.S. dollars
Penalty Fees – Late Payment Fee – Returned Payment Fee	Up to $30.00 Up to $30.00

Other Fees & Disclosures:

2X Points on Amazon Promotion Disclosure:
Earn 2X points on qualifying Amazon purchases made with your OceanAir Epic Rewards Credit Card from 07/27/2026 through 09/30/2026. Standard earn rate is 1.5 points per $1 spent. Points are based on eligible merchant coding and transaction post date; returns, credits, disputes, or ineligible transactions may reduce previously awarded rewards. Offer excludes OceanAir employees and business credit cardholders. Offer may be changed, suspended, or ended at any time without prior notice. Some transactions may not qualify for rewards. Epic Rewards terms apply. Visa® is a registered trademark of VISA U.S.A. Inc. Questions? Contact Member Services at 805.988.2151 Federally Insured by NCUA.

*Spend Bonus Disclosure:
Earn 3,000 bonus points when you spend $1,500 in qualifying purchases within the first 90 days after enrollment. Offer is limited to one bonus per eligible membership account/household; only the first qualifying cardholder to meet the $1,500 spend requirement will receive the bonus, and purchases across eligible cards may not be combined. Returns, credits, adjustments, and ineligible transactions do not qualify and may reduce qualifying spend or rewards awarded. Membership and account eligibility requirements apply. All loans are subject to credit approval. Offer excludes OceanAir business credit cardholders Offer may be changed, suspended, or ended at any time without prior notice. Epic Rewards terms apply. Visa® is a registered trademark of VISA U.S.A. Inc. Questions? Contact Member Services at 805.988.2151 Federally Insured by NCUA.

*First-Time Access Bonus Disclosure:
Earn 500 bonus points when the first eligible cardholder under a membership account accesses the Epic Rewards Credit Card Portal through online banking or the mobile app. One-time offer per eligible membership account/household; only the first qualifying access under the account will receive the bonus. Bonus awarded after qualification and seven days after the initial login or registration. Membership and account eligibility requirements apply. All loans are subject to credit approval. Offer may be changed, suspended, or ended at any time without prior notice. Epic Rewards terms apply. Visa® is a registered trademark of VISA U.S.A. Inc. Questions? Contact Member Services at 805.988.2151. Federally Insured by NCUA.

How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”

Promotional Period for Introductory APR – Visa Platinum, EPIC Rewards Platinum Visa:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on OceanAir Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the Penalty APR if you are 60 days late in making a payment.

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

Effective Date:
The information about the costs of the card described in this application is accurate as of: June 01, 2026. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum, EPIC Rewards Platinum Visa and Horizon Platinum Visa are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.

Late Payment Fee:
$30.00 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 Convenience Check Fee – Visa Platinum, EPIC Rewards Platinum Visa:
$30.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$5.00

Rush Fee:
$50.00

Statement Copy Fee:
$5.00 per document.

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.