VISA® STEEL Credit Card
Visa® STEEL Credit Card
A credit card is an excellent product to have in your back pocket. Whether you’re looking to build your credit or make flexible payments on a large purchase, our Visa STEEL Credit Card options can help you achieve your goals while giving you added union benefits.
- 0% APR* for First 6 Months
- No Annual Fees
- No Cash Advance or Balance Transfer Fees
- Limits Ranging from $500 to $20,000
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $20,000 | 0% Intro for first 6 months, 14.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 17.23% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 11.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 14.23% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of September 11, 2024.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 16.50% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of September 11, 2024.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 16.50% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of September 11, 2024.
Related Products and Services
Visa® STEEL Secured Credit Cards
Learn MoreDebt Protection
Learn MoreDigital Wallet
Learn MoreVisa Benefits for Union Members
Learn MoreVisa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $20,000 | 0% Intro for first 6 months, 14.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 17.23% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 11.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 14.23% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of September 11, 2024.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 16.50% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of September 11, 2024.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 16.50% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of September 11, 2024.
Credit Card Fees
| Late Fee (If payment is received 11 or more days past the Payment Due Date) | $20.00 or the amount of the required minimum payment, whichever is less |
| Returned Check/Payment | $25.00 or the amount of the required minimum payment, whichever is less |
| VISA® Currency Conversion | 1% of transaction |
| Credit Card Replacement Fee (For cards replaced more than two times in a twelve month period) *Effective July 15th, 2019 | $10.00 |
Frequently Asked Questions
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What’s the difference between Visa STEEL Credit Card and Visa STEEL Secured Credit Card?
- A Visa STEEL Secured Credit Card requires a minimum deposit of $500 to act as your collateral or line of credit. This $500 will not be accessible while the account is open. This is great for individuals who may be looking to improve their credit score.
- A Visa STEEL Credit Card does not require a deposit of any amount and is great for individuals who already have established credit.
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What will my limit be for a Visa STEEL Credit Card?
Limits range from $500 to $25,000 depending on credit.
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Can my limit be increased?
- Yes, you can request a limit increase at any time by filling out a loan application. Under the “Purpose of Loan” drop down, select “increase.” Approval will be based on your credit at the time of request and proof of income.
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Can my rate change?
Yes, depending on the current Prime Rate.
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What should I do if my card is lost or stolen?
If your card is lost or stolen, please call 866.833.4232.
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What if I need to call while out of the country?
If you’re out the country, you can call collect: 727.299.2449.
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Do I have to tell you when I’m traveling?
To ensure you’re able to use your card with no interruptions, we highly recommend letting us know if you plan on traveling or making purchases in another country (including online) so your purchases aren’t flagged by our fraud detection system. Call or text us at 800.877.4444.
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Can I Transfer Balances From Another Credit Card?
Yes, you can. We have no balance transfer fees. To learn how to transfer your balance, visit our balance transfer page.
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What Other Benefits do I Get as a Union Member?
OE Federal Visa Card holders receive benefits such as: Strike Relief and Union Rebate.
Learn more about these benefits here.