Credit Cards

Become a card carrying member of your financial future

We have a wide selection of VISA credit cards to meet your needs. Each card features competitive rates, low fees and rewards for travel and brand name merchandise. Learn more and apply today!

Eco Checking

Pair your Point West VISA credit card with an Eco Checking account, and you could earn up to 2.50% APY on checking account balances up to $15,000 (restrictions apply).

Earn More With Eco

ScoreCard Rewards

Earn ScoreCard Points with every purchase you make (dollar for dollar) to be exchanged for fabulous travel and brand-name merchandise.

ScoreCard Rewards

Already a Card Holder?

View your account details now. Click below to access EZCardInfo.com, your one-stop shop for all things related to Point West VISA credit card.

Access Your VISA

Automated Account Management

1.800.ASK.4BAL

ATM & Debit Lost/Stolen

800.543.5073

ATM/Debit PIN # Change

Within US: 1.866.297.3411
Outside of US: 727.227.9600

Lost/Stolen Credit Card

1.800.991.4961

Platinum VISA Credit Card

Purchase APR*

Cash Advance APR*

Annual Fee

Cash Advance Fee

Late Fee

Min. Finance Charge

Return Payment Fee

Min. Payment

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

8.95%

8.95%

$0.00

$0.00

$27.00

$0.00

$27.00

3% of balance up to $25.00

Perfect for everyday use and just the card you need for travel domestic and international – no international transaction fees, travel accident insurance, and auto rental insurance. Just the ticket to a stress-free vacation!

  • 8.95% APR* (Purchase Rate)
  • Cash advance rate of 8.95% APR*
  • 25-day grace period
  • No annual fee
  • Apple Pay enabled
  • Android Pay enabled
  • Auto Rental Insurance
  • Travel Accident Insurance of $500,000
  • Emergency card replacement
  • No international transaction fees!
  • Access to ScoreCard Rewards

Business VISA Credit Card

Purchase APR*

Cash Advance APR*

Annual Fee

Cash Advance Fee

Late Fee

Min. Finance Charge

Return Payment Fee

Min. Payment

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

8.95%

8.95%

$0.00

$0.00

$27.00

$0.00

$27.00

3% of balance up to $25.00

Built with small businesses in mind, our Business VISA credit card gives your business the purchasing power and flexibility it needs with low rates, no annual fee, and ScoreCard Rewards Points on every purchase.

Download an application using the “Get Application” link above and send to [email protected] to apply for your Point West Business VISA credit card today!

  • 8.95% APR* (Purchase Rate)
  • Cash advance rate of 8.95% APR*
  • 25-day grace period
  • No annual fee
  • Apple Pay enabled
  • Android Pay enabled
  • No international transaction fees
  • Earn ScoreCard Rewards Points on every purchase

Classic VISA Credit Card

Purchase APR*

Cash Advance APR*

Annual Fee

Cash Advance Fee

Late Fee

Min. Finance Charge

Return Payment Fee

Min. Payment

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

14.99%

14.99%

$0.00

$0.00

$27.00

$0.00

$27.00

3% of balance up to $25.00

Our Classic VISA credit card features ScoreCard Rewards Points, no annual fee, competitive rates, and more.

  • 14.99% APR* (Purchase Rate)
  • Cash advance rate of 14.99% APR*
  • 25-day grace period
  • No Annual Fee
  • Apple Pay enabled
  • Android Pay enabled
  • No international transaction fees!
  • Access to ScoreCard Rewards


Fresh Start VISA Credit Card

Purchase APR*

Cash Advance APR*

Annual Fee

Cash Advance Fee

Late Fee

Min. Finance Charge

Return Payment Fee

Minimum Payment

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time.  All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

17.90%

17.90%

$0.00

$0.00

$27.00

$0.00

$27.00

3% of balance up to $25.00

If you’ve experienced some credit problems, our Fresh Start VISA credit card could help you restore your credit history.

This card is designed for members who are establishing credit for the first time, or for those who are recovering from a modest credit problem. As your credit history is established you will become eligible for our no fee and rewards cards.

  • 17.90% APR* (Purchase Rate)
  • Cash advance rate of 17.90% APR*
  • $30 initial processing fee
  • Apple Pay enabled
  • Android Pay enabled
  • No international transaction fees!
  • Access to ScoreCard Rewards

Share Secured VISA Credit Card

Purchase APR*

Cash Advance APR*

Annual Fee

Cash Advance Fee

Late Fee

Min. Finance Charge

Return Payment Fee

Min. Payment

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms See full rates details and disclosures >>

14.99%

14.99%

$0.00

$0.00

$27.00

$0.00

$27.00

3% of balance up to $25.00

Have limited or damaged credit? A share secured VISA credit card might be the perfect tool for you to build credit in an affordable, responsible way. For every dollar you have committed to your savings account you will have access to $0.80 in credit. This card does not require an annual fee, helps establish positive credit history and may make you eligible for other card options.

  • 14.99% APR* (Purchase Rate)
  • Cash advance rate of 14.99% APR*
  • Apple Pay enabled
  • Android Pay enabled
  • No international transaction fees!
  • Access to ScoreCard Rewards

 

 

Calculate & Consider.

Not sure what loan rates you’re able to afford? No worries! As a Point West Credit Union member you have access to a number of free, loan cost calculators. We have partnered with BALANCE to provide these resources at no charge to our members.

 

See Calculators

Business Services.

Managing cash flow for your business can be simplified with free online service at Point West. From check imaging, to bill pay, account history and loan payment access, managing your business finances just got easier.

 

Manage Your Business

Loans Simplified.

As a not-for-profit, member-owned, Portland, Oregon based credit union, we return the money we make to our members in many ways, including low loan rates. Compare our loan products and rates today.

 

Apply Now

 

 

*APR = Annual Percentage Rate. Current variable rate, on approved credit. All rates and programs subject to change at any time. All loans subject to credit approval.  Terms and conditions apply, see VISA Rates and Fees for details.

 

External Link Warning!

You are about to leave Point West Credit Union’s website. The linked site is not owned or operated by Point West and we are not responsible for the availability, content or security of the linked site. Point West is not responsible for any claim related to the goods or services obtained from the linked site. The privacy policies of the linked site may differ from those of Point West and we are not responsible for compliance with those policies.

 

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