HOLIDAY CLOSING: Our offices will be closed on Monday, May 27th in observance of Memorial Day.
BRANCH CLOSURE NOTICE: Orlando Credit Union's Sheriff's Office Branch is temporarily closed due to onsite building enhancements from April 29th, 2024, to June 30th, 2024. (The exterior ATM is still accessible and you can visit other branch locations)
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Visa® Xtreme REWARDS Credit Card

Reward yourself every time you swipe or make a digital purchase.

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Step Up To Our Reward-Rich

Visa® Xtreme
REWARDS Credit Card

Introducing, a rewards credit card that comes fully loaded with earning power on purchases you make every day and on special occasions.

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  • Introductory rate ranging from 1.99% to 6.99% APR1 for the first 6 months on purchases and balance transfers, based on creditworthiness. After 6 months, your rate will go to the then-current APR, ranging from 15.00% - 18.00% for purchases and balance transfers.

  • Earn 1-2-3-4 times the rewards every time you swipe or make a digital purchase. Here’s how it works:

    4 points per $1 spent for Amazon & Paypal transactions for first 12 months*
    3 points per $1 spent for Gas & Travel transactions**
    2 points per $1 spent for Dining & Grocery transactions***
    1 point per $1 spent for other purchases****

  • No Annual Fee, No Application Fee, No Balance Transfer Fee, and No Foreign Transaction Fee.

  • Tap-to-pay with your card at millions of locations worldwide.

  • Enjoy the peace of mind that your card is protected with Visa’s Zero Liability Policy.

  • Enjoy a 25-day grace period on purchases when your balance is paid in full by your monthly due date.

  • Planning a trip? Book with Credit Union Travel, use your Orlando Credit Union Visa Xtreme REWARDS Credit Card and earn 5% in hotel dollars on all travel purchases.^

Best of all, it works with Orlando Credit Union's Rewards points program.

Advantages Of Our Visa Xtreme REWARDS Credit Card...

Rewards Points Program

Rewards Points Program

  • Being a loyal member of Orlando Credit Union is more rewarding than ever!
  • Combine your credit card points with points you earn doing other everyday banking activities to redeem for cash back, gift cards, merchandise, travel, charitable contributions, pay at the pump or to pay credit union fees.

  • Earn BONUS points from national to local merchants.

  • Easily review reward points in online and mobile banking.

With our Rewards points program, you’ll receive 300 points when you load your Orlando Credit Union Visa Xtreme REWARDS credit card into your digital wallet for the first time.

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ID Navigator

ID Navigator

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.

Your Orlando Credit Union credit card includes ID Navigator Powered by NortonLifeLock which...

  • Provides you with the tools to help keep you informed of potential threats to your identity.
  • Helps you act quickly should the unexpected happen.

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Visa Checkout

Visa Checkout

Love shopping online, but hate all the hassles when it’s time to pay? Visa Checkout is a digital payment service that can make online payment as fun and easy as online shopping.

Use it anywhere Visa Checkout is accepted — on the go with your tablet or smartphone, or at home with your computer.

With Visa Checkout, paying online is:

  • Simple: Add your Orlando Credit Union Credit Card (or any Visa card) to enroll. Then pay with Visa Checkout — it’s easy to spot!
  • Fast: Skip typing in your card and shipping info each time. Just use your Visa Checkout login to pay and that’s it.
  • Secure: Shop worry-free. Your info is stored behind multiple layers of security.

Enroll Now

Visa Credit Card FAQ

Have questions about your Visa Credit Card? We have answers!

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Visa Xtreme REWARDS Credit Card Rates


1.99% to 6.99%
APR first 6 months

on purchases and balance transfers

15.00% to 18.00% APR
after 6 months

on purchases and balance transfers


View Other Rates


1APR = Annual Percentage Rate. Rates are variable and may increase. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

* Four (4) points per every one (1) dollar of each Qualifying Amazon and Paypal Transaction (MCC 5942 or contains AMAZON, Amazon, AMZN, PAYPAL or PP*) during the first 12 months after opening their credit card account. The first point of every qualifying Amazon and Paypal transaction will be credited at time of purchase. The additional 3 points of every qualifying Amazon and Paypal transaction will be posted the following month during the first 12 months after the card is open.†

** Three (3) points per every one (1) dollar of each Qualifying Gas and Travel Transaction (Includes MCC 5172, 5541, 5542, 5983, 3000 - 3299, 3351 - 3441, 3501 - 3835, 4111, 4112, 4131, 4411, 4457, 4468, 4511, 4582, 4722, 7011, 7033, 7512).†

*** Two (2) points per every one (1) dollar of each Qualifying Dining and Grocery Transaction (Includes MCC 5300, 5411, 5422, 5451, 5462, 5499, 5812, 5813, 5814).†

**** One (1) point per every one (1) dollar for other Qualifying Transactions.†

† Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Rewards Card during each day by the Cardholder. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated.

^ Certain terms and restrictions apply. Visit for details.


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