Credit Cards


Apply Today!

We believe credit cards should offer security as well as convenience. Choose from a variety of card designs, and know that your transactions are safe with EMV chip technology to protect your data and Lock It™ Card Control and OmniShield® to guard against fraud.

Apply now and take advantage of this great offer! 

  • 1.99% introductory APR* on all new purchases for 12 months
  • 2.99% introductory APR* on all balance transfers for 12 months

Plus there are NO Balance Transfer Fees, NO Cash Advance Fees and NO Annual Fee!

Choose your design and then choose the card that’s right for you.

  • Summit Visa® 
    The Summit Visa® is our easy to manage, low fixed rate card. Get a fixed rate as low as 7.90% APR* after the introductory period.
  • Rewards Visa®
    We've upgraded our card rewards program to offer more and better rewards than ever! You'll earn Rewards Points for every dollar you spend. And you get a fixed rate as low as 11.90% APR* after the introductory period.

Our Visa® credit cards come with an additional Auto Rental Collision Damage Waiver benefit and Zero Liability®**.

Auto Rental Collision Damage Waiver eliminates the need for you to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles—saving you in insurance costs. Click here for additional information. 

For our full credit card disclosure, click here.

*APR = Annual Percentage Rate. Conditions, restrictions and credit approval apply. Offer may end at any time.  The introductory period is twelve billing cycles from the date the credit card account is opened. The balance of purchases you make during the introductory period will return to your regular qualified rate at the end of the introductory period if you do not pay it in full. After the introductory period, all purchases and balance transfers made will be subject to your qualified APR. Refer to your Credit Card Agreement for complete information.

**Visa’s Zero Liability Policy does not apply to certain commercial card transactions and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use and for additional details.

Debt Protection

On Tap Credit Union™ Loan Protection is available for closed-end consumer loans of 120 months or less, consumer lines of credit, and and credit cards. Click here to download a brochure.


We've upgraded our card rewards program to offer more and better rewards than ever!

With Rewards!, you will be able to select rewards that fit your lifestyle, including cash back, exciting merchandise, gift cards, travel, green products, charitable donations, and much more.

Log in to your Rewards! account now to browse rewards, create your wish list and access more bonus point opportunities.

Claim Rewards!


You can rest assured that your accounts are protected from fraud 24/7 with OmniShield® fraud detection system. If fraudulent debit or credit card activity is detected on your account, you will be contacted by an OmniShield® representative to verify the transaction. This is a valuable tool to help protect the security of your account.

If suspicious activity is detected, a representative from will call, text or email you depending on the contact information they have on file. They will identify themselves as the card member security department on behalf of On Tap Credit Union. They will ask you for your date of birth or ZIP code to verify your identity. They will not ask you for your entire card number if they call you. Never give a caller your full account number or card number — it could be a scammer!

If you miss the call and call them back, they may ask for additional information to verify your identity, including a case number, your card number or the last four digits of your Social Security number for security purposes. If you are not sure if the call was from OmniSield® or are suspicious in any way, you can call the credit union instead.

Please make sure that your contact information is always up to date so we can contact you quickly if the need arises.

If you suspect suspicious activity on your account or feel your account information has been compromised in any way, don't hesitate to call us right away at 303.279.6414 or 800.770.6414.