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

• 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.

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VISA Credit Card Application and Solicitation Disclosure

¹ APR = Annual Percentage Rate. 

Fees

Other Fees & Disclosures:

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.