Credit Cards


New Credit and Debit cards are here! Please call 866.619.0245 to activate your new card today. 

Recurring Payments

If you have recurring payments (anything that is currently being paid automatically with your debit or credit card) set up with your old card, you will need to arrange for an alternate payment method for payments due after 9/17/2017. After 10:00 p.m. MDT on 9/17/2017, no transactions will be approved on the old card number.

Recurring payments that are most commonly linked to debit and credit cards include, but are not limited to, gym memberships, cell phone bills, cable bills, utility bills, magazine bills, etc.

Frequently Asked Questions

When will my new card arrive?

All members should receive their new cards by 9/18/2017. If you have not received your new card(s) by 9/18/2017 please call us at 303.279.6414.

Will my old card work on or after 9/18/2017?

No, your existing card will be deactivated at 10:00 p.m. MDT on 9/17/2017.

Will I keep my current PIN on my ATM / Debit card?

No, a new PIN will be issued and mailed to you separate from your card. PINs will be mailed prior to you receiving your card. If you have not received your PIN by 9/18/2017 please call us at 303.279.6414.

I have more than one card. How do I know which PIN goes with which card?

The last four digits of the card are located above your name and address on the PIN mailer.

What if I want to change my PIN?

You can change your PIN over the phone by calling 877.267.6914. Members will have the option to change their PIN at On Tap Credit Union Branches and ATMs later this year.

Will I still have my Scorecard Rewards points?

You will be able to keep all your current reward points, and we will be transferring your points to your new card.  You do not need to redeem your points.

We are also excited to tell you we are moving to a new and improved rewards program that gives you thousands more options to redeem your points from travel to cash back. For more information regarding our new rewards program, click here.

Why are you changing to EMV cards?

EMV is more secure against fraudsters. Unlike magnetic stripe cards, every time an EMV card is used for payment the card chip creates a unique transaction code that cannot be used again.

Why Visa® and not MasterCard®?

To create more efficiencies and partner with the leading brand in the world, On Tap Credit Union decided to consolidate all cards to the Visa® brand.

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

Choose your design and then choose the card that’s right for you – Summit Visa® or Rewards Visa®

  • Get fixed rates as low as 7.90% APR* after the introductory period on the Summit Visa®
  • Or get fixed rates as low as 11.90% APR* after the introductory period on the Rewards Visa® AND earn Rewards points for every dollar you spend!

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

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.

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.

Exciting News for Rewards Card Members!

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 exciting merchandise, cash back, gift cards, travel, green products, charitable donations, and much more.

PLUS, get double Rewards! points on all of your purchases when you use your On Tap Credit Union® Rewards Visa® now through December 31!* From everyday purchases, like fuel and groceries, to all of your holiday needs, like Thanksgiving dinner and holiday gifts, your purchases will really pay off. 

Use your points to redeem for rewards in categories including gift cards, merchandise, travel 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!

*Qualifying transactions must earn at least one point. Balance transfers, cash advances and returns do not earn points. Points will be awarded by February 28, 2018. Gift cards are not sponsors or co-sponsors of this promotion.