why obtaining a credit card from a credit union is a smart choice


Couple using a BlueOx Platinum Rewards Credit Card.

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:

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.

apply today!

Take advantage of all the benefits of a BlueOx Visa® Platinum Rewards Credit Card by applying online today!

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