why obtaining a credit card from a credit union is a smart choice
You have many options when it comes to finding the best place to apply for a credit card. Credit unions tend to have lower rates and fees and have great rewards as well. Read on to find out whether a credit union card is right for you.
1. it’s well-known that you might get better rates
Annual percentage rates on credit union platinum credit cards tend to be lower than those you might receive from banks.
2. you take ownership of the card
Before obtaining a credit card from a credit union, you have to become a member of that credit union. And members are owners, which means you'll truly own the card. You can’t say the same about credit cards issued by a bank, clothing store, or gas station.
3. because a credit union is not for profit, you won’t see the same fees
Credit unions tend to have more consumer-friendly terms regarding cash advances, over-the-limit, and late payment fees. You're also less likely to see an annual fee.
4. a credit union credit card provides you with all the benefits you desire plus some
You can still use a credit union credit card as you would any other. The cards are accepted nationwide and can be used for online transactions, automatic payments, and so much more.
5. credit unions may be more open-minded
Because you're a member of the credit union, you may have additional options or choices if you don’t have a perfect credit history. They’ll work with you and take care of you because you're a part of their credit union family.
6. member service will likely be excellent
One of the greatest advantages of credit unions is their focus on the member experience. This means you'll typically receive excellent service and much more flexibility in terms of payments because credit unions aim to support their member-owners and help them maintain financial stability. Credit unions are local financial institutions that connect with communities – those who work for certain companies or have some specific mutual connection. As such, they focus on building trust and a brand within these communities.
benefits of a BlueOx visa® platinum rewards credit card
You work hard for your money and deserve to be rewarded! With your BlueOx Credit Union Visa® Platinum Credit Card, you get rewards for every purchase; a low, competitive rate and no annual fees – ever! Plus, you can choose how to redeem the points you earn while making everyday purchases. What’s your pleasure—Merchandise? Travel? It’s up to you!
With a Visa® Platinum Rewards Credit Card from BlueOx Credit Union, you’ll have affordable credit at your fingertips whenever you need it most. No matter where your adventures take you, your BlueOx Visa® Platinum Rewards Credit Card is packed with everything you need for convenient purchasing power:
- No annual fee
- Same low, competitive, variable rate on both purchases and cash advances
- No cash advance fees
- ScoreCard Rewards*
- 0% APR† on balance transfers for six months
- 25-day grace period (for purchases only)
- Card controls security
- State-of-the-art microchip technology
- 24/7 card access – analyze spending, review statements, and pay bills online
- Mobile Wallet – Apple, Google, and Samsung Pay
- Zero liability protection
- Payment protection plans
- More perks
Regardless of which credit card or financial institution you choose, be sure to read the terms and conditions to thoroughly understand your rights and any fees that may apply. Ask us any questions you may have about your banking options, and we’ll provide you with the information you need to make an informed decision.
Take advantage of all the benefits of a BlueOx Visa® Platinum Rewards Credit Card by applying online today!
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