We make earning easy

Spend $1000 Within 90 Days of Opening an Epic Rewards Credit Card and Receive Up To $150 Cash Back*

Submit the form to get started.

*Terms and conditions apply. Must have an Epic Premium Checking account to earn the maximum cash back amount. Applicants must meet OceanAir membership eligibility and credit approval requirements.

We Make Earning Easy

5% Cash Back on Gas & Travel*

3% Cash Back on Groceries*

1% Cash Back on Everything Else**

*On qualified purchases up to $6,000 annually
**Unlimited back on qualified purchases.
⁺See Rewards Program Guide for program details

OceanAir’s Epic Premium Checking is the perfect fit for any lifestyle.

Loaded with protections and money-saving perks, Epic Checking lives up to its name.

Note: Enrollment is required to receive the benefits of your Epic Checking account. Learn More about the benefits

Epic Premium Checking

$10/Month

$90+ monthly value if purchased separately

Get Epic Premium

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 13.50% 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 16.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Platinum 13.50% 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 16.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	Visa Platinum 13.50% 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 16.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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 – 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:

$10.00

Rush Fee:

$35.00 a second day.

Statement Copy Fee:

$5.00 per document.

Terms and Conditions

2025 Epic Rewards Spend and Earn Credit Card Promotional Offer

Effective date: March 31, 2025

This promotion is available to new OceanAir Epic Rewards Visa credit cardholders between March 31, 2025 and June 30, 2025. Applicants must meet OceanAir membership eligibility and credit approval requirements. New Epic Rewards Credit Card must be opened no later than June 30, 2025. Existing OceanAir Epic Rewards Visa credit cardholders are not eligible.

Earn $100 by spending at least $1,000 on eligible purchases within the first 90 days of account opening. If the cardholder has an active Epic Premium Checking account at the time of reward fulfillment, they will earn an additional $50 for a total of $150. An Epic Premium Checking account has a $10 monthly fee as of March 31, 2025. Fees and other conditions are subject to change.

Eligible purchases include retail and online transactions made using the credit card. The following transactions do not count toward the $1,000 spending requirement:

– Cash advances

– Balance transfers

– Fees and interest charges

– Purchases made for gambling or other ineligible categories as determined by OceanAir

The cash back bonus will be credited to the cardholder’s OceanAir Primary Share account within 120 days after meeting the spending requirement. The credit card account and, if applicable, the Epic Premium Checking Account must be open and in good standing at the time of reward fulfillment.

This offer is limited to one per primary cardholder.

OceanAir Federal Credit Union reserves the right to modify, suspend, or terminate this promotion at any time without prior notice. Fraudulent activity or abuse of the promotion may result in disqualification and account closure. The cardholder is responsible for any applicable taxes related to the cash back reward.

For full details on your credit card terms and conditions, refer to your OceanAir Cardholder Agreement.

By applying for the Epic Rewards Visa credit card and participating in this promotion, you acknowledge and agree to these terms.