Platinum Visa Credit Card

Get Low Rates with Your OceanAir Visa Platinum Credit Card.

Enjoy competitive credit card rates with your OceanAir Platinum Visa credit card. Designed to be one of the best credit cards in Ventura County, OceanAir’s Platinum Visa credit card offers low rates, easy cash advances, and free convenience checks for added flexibility. Manage your Visa credit card with ease by making payments at any branch, online through OceanAir Online Access, or by mail.

As low as
12.75% APR¹

OceanAir 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 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.
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:

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.