Choose the card that best suits you

We are pleased to offer you our family of competitive, feature-rich credit cards. Whether you are looking to earn cash back faster or lower your APR, we have a card that is right for you.

With local decision making and servicing, quick turnaround and a variety of options, you will find our consumer credit cards are definitely not “one-size-fits-all.”

Each card offers these great benefits:

Secure and convenient access

Premium benefits

Zero Liability Protection, Identity Theft Protection Service, Global Emergency Service.

Multiple payment options

Including automatic debit, online bill pay, in a Oakleycu Bank branch or by mail.

Contactless payment technology

Apple Pay®, Samsung Pay™ and Google Pay® , as well as Masterpass secure purchases in store, online or on an app.

Personal Credit Card Comparison

Card	Welcome Offer	Benefits
Mastercard® Platinum	0% APR for purchases and balance transfers made in the first 6 months after account opening. After that, the variable APR will be 8.99% to 16.99% APR based on creditworthiness. A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer.	Our lowest APR Consolidate and pay off debt faster with a lower APR – currently, 8.99% - 16.99% No annual fee Our lowest APR Visit your local branch to apply for Mastercard Platinum
Mastercard Platinum Rewards	One-time signup bonus of $50 cash back after spending $1,000 in the first three months after card opening2. Cash back may be redeemed for statement credits or a deposit into your Oakleycu Bank Checking account.	Earn 1% cash back for every $1 spent No limit to the cash back earned No annual fee Visit your local branch to apply for Mastercard Platinum Rewards
Mastercard® World	Attractive one-time signup bonus of $100 cash back after spending $3,000 in the first three months after card opening2. Cash back may be redeemed for statement credits or a deposit into your Oakleycu Bank Checking account.	Earn 1% cash back for every $1 spent Earn 2% cash back for every $1 spent on travel and dining 3 No limit to the number of cash back earned No foreign transaction fee If you do not meet the criteria for this card, you may be considered for the Mastercard Platinum Rewards Card No annual fee Visit your local branch to apply for Mastercard World

All credit cards are subject to credit approval. Please reach out to your branch or relationship manager for more information

Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.

Apple Pay® is a trademark of Apple Inc. Samsung Pay™ is a trademark of Samsung Electronics Co., Ltd. Google Pay® is a trademark of Google LLC

1. For details on Rewards Program, please visit: Apex Rewards Program Rules. Rewards options are subject to change without notice.
2. Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.
3. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.

Cards are issued by Pinnacle Bank, a Tennessee Bank, Member FDIC.

Have a question?

Our team is happy to assist you with all your Personal Banking needs. Please reach out for more information.

Personal Credit Cards