A close-up view of an AOCU credit card exchanging hands during a payment interaction.

Credit Cards

Our Visa® Credit Cards provide a little extra with every purchase

Check My Rate

Quickly see what you could qualify for, without impacting your credit score.



Pile up reward points or build up your credit score.

With an Advantage One Visa credit card, you can easily shop online or buy products and services from millions of merchants nationwide. But that's not all. You'll also save money with low introductory rates and enjoy added layers of protection that safeguard your financial and personal data.

Low Introductory Rate

No matter which card you choose, enjoy a low 0.99% APR1 introductory rate for six billing cycles; after that, the rate can range from 10.98% to 23.98% APR1

Great Rewards on Every Card

Use your card on everyday purchases and automatic payments (streaming services, gym memberships, or your phone bill) to earn rewards!

Earn Everyday Reward Points - 3x on gas, 2x on groceries, and 1x other eligible purchases. Points can be redeemed for brand-name merchandise, gift cards, travel services and more.

More Reasons to Love Our Credit Cards

  • 0.99% APR1 introductory rate for six billing cycles; after that, the rate can range from 10.98% to 23.98% APR1
  • No annual fee
  • Earn Everyday Reward Points - 3x on gas, 2x on groceries, and 1x other eligible purchases
  • Redeem your Reward Points for brand-name merchandise, gift cards, travel services and more.
  • Control your card and track your spending in Advantage Ones Online Banking or Mobile App
  • Automatic Fraud Alerts to notify you of suspicious transactions via text, email, or by phone.
  • Non-online banking users can access their card info with DX Online
  • Tap to Pay at Checkout with your phone or watch!
1APR is Annual Percentage Rate. The current promotional APR is a 0.99% introductory rate on purchases for the first six (6) billing cycles. On the seventh billing cycle, the 0.99% intro APR will adjust to the standard purchase APR on your account. The AOCU credit card APR ranges from 10.98% to 23.98%. Your precise rate is based on your credit worthiness. All loans are subject to approval and member must be in good standing. Rates, terms, and conditions are subject to change.
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DIGITAL BANKING
Banking on your schedule.
Mother and father joyfully play with daughter and son on their backs.
HOME EQUITY 
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Car keys are being handed over.
AUTO LENDING

Getting you behind the wheel.