VISA® STEEL Rewards Credit Card
Visa STEEL Rewards Credit Card
Get rewarded with every purchase you make! Our Visa STEEL Rewards Credit Card comes with many of the same benefits as our Visa STEEL while rewarding you for every dollar spent. Redeem your reward points for travel, entertainment, merchandise, cash back and more on our new platform: OE Federal Rewards Program
- Earn 10,000 Bonus Points*
- $1 Spent = 1.5 Reward Points
- Points Never Expire
- No Annual Fee
- No Balance Transfer Fees
- No Cash Advance Fees
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $20,000 | 0% Intro for first 6 months, 13.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 16.23% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 10.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 13.23% |
*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 April 1, 2025.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 April 1, 2025.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 April 1, 2025.
Related Products and Services
Introducing the new OE Federal Rewards Program
Learn MoreVISA® STEEL Credit Card
Learn MoreVisa® 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, 13.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 16.23% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 10.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 13.23% |
*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 April 1, 2025.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 April 1, 2025.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 April 1, 2025.
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 Rewards Credit Card and Visa STEEL Rewards Secured Credit Card?
- A Visa STEEL Rewards 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 Rewards 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 Rewards Credit Card?
Limits range from $500 to $20,000 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 us at 800.877.4444.
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Can I Transfer Balances From Another Credit Card?
Yes, you can. Plus, we have no balance transfer fees!
Current card holders can initiate their balance transfer through Online or Mobile Banking – Choose “Balance Transfer” under “Statements and Services” in the menu.
New cardholders can include information for Balance Transfers during the application process.
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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.
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How do I know how many rewards points I have?
Your current available points balance will be listed in the top right corner of every page once you’re logged into reward.oefederal.org.
You will also see your points balance listed within Online and Mobile Banking.
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Will my points expire?
OE Federal Rewards Program points will expire four years from when the points were earned.
Any points rolled over from CU Rewards will be from the date they were earned, not from the date they were rolled over.
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How can I earn points?
Earn 1 point for every dollar you spend with your OE Federal Visa STEEL Rewards Credit Card.
Not a cardholder? Apply for one today!
*To earn 10,000 Rewards Points, you must make a minimum of $1,000 in new purchases within the first 3 billing cycles of your account opening. Does not include balance transfers or cash advances. Rewards Points promotion ends when you reach $1,000 or after your first 3 billing cycles, whichever comes first.