Important Information: Our offices will be closed in observance of Martin Luther King Jr. day on Monday, January 19th. Regular hours of operation will resume on Tuesday, January 20th.

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
A hand holding the Epic Rewards Credit Card

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 below*.

  • 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

*For 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 Your Rewards Card Works

Spend on what you love — groceries, gas, streaming, and more.

Earn points automatically with every transaction.

Redeem your way: cash back, gift cards, gas discounts, merchandise and more.

Get Rewarded for Spending

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

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.