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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Financial Freedom with OU Credit Union Visa Cards

as low as
9.90% APR
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Platinum Visa
as low as
9.90% APR
 
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Platinum Visa Credit Card
What we offer

Balance Transfers
Move your high-rate balances to your low-rate OU Credit Union Visa Credit Card and save money while making one low monthly payment.

Plus, you never pay a balance transfer fee, helping to save you even more money when consolidating your credit card payments.

Contact us and we can transfer your balances electronically, issue cashier's checks to transfer your balances, or issue you blank checks that you can complete and send to your other creditors.


Cardmember Agreements
Get FilePlatinum Visa Credit Card Agreement and Truth-in-Lending Disclosure Get FileAccount Agreement and Disclosure
Get FileAuto Rental Collision Damage Waiver Get FileMulti-Featured Loan Agreement
Get FileDocuSign Disclosure Get FileUSA Patriot Act
Get FileVisa Gift Card Disclosure Get FileMyDesign Image Guidelines and Terms & Conditions
Get FileReloadable Visa Debit Card Disclosure Get FileMerchant Surcharge Fees
Get FileVisa Periodic Disclosure %filelink:msuaffinityagree%
%filelink:platteenagree% Get FileRoadside Dispatch Disclosure

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

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

9.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member's credit score.

Balance Transfer Offer Details
1 Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.
Reviews
4.84 stars out of 5
2225 Member Reviews
5 stars out of 5
(2076)
4 stars out of 5
(62)
3 stars out of 5
(21)
2 stars out of 5
(15)
1 stars out of 5
(51)
Rate this Product
I always disliked the idea of a credit card; but this one is fair
5 stars out of 5
See above. I had a tendency to over spend so I always feared getting a credit card. However, through willpower I am finding that it is easy enough to only use it for emergencies and pay it off promptly.
Credit card
5 stars out of 5
This is smart card with easy access and cheap interest
Bad Deal
1 stars out of 5
Credit card with no real rewards that they trap millennials in. Begged and begged to be switched to an adult account or to cut a deal on interest but they are inflexible. Discover did it no questions asked and they don't send me spam trying to recruit my friends to their crap products. Working on closing my accounts here, this is not the local friend its over-advertised to be.
Very Useful
5 stars out of 5
Love it
5 stars out of 5
No bells or whistles, but low interest rates!