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Online Banking & Bill Pay

Credit Cards

STOP LOSING HUNDREDS TO UNNECESSARY DEBT




 

2.99% APR* ON ALL SUMMIT CARD PURCHASES

Now through the end of the year, all Summit card members get 2.99% APR* on all purchases with six months after to pay off your balance in 2027.

 

Apply online or contact us at 303.279.6414 to get started.

 
 

 

 

 

 
 
 

SWITCH TO A LOW INTEREST CREDIT CARD FROM ON TAP

Two Unique Card Types - Always Low Rates
 
SUMMIT VISA®
Our classic VISA card with
the lowest rate.
 
REWARDS VISA®
Earn reward points for
every dollar you spend.





Discover The Benefits


no annual
fees

no balance transfer fees

no cash advance fees

low
rates

fraud
protection

rewards done your way*

*Reward card option only. View points in Online or Mobile banking or visit our Brew Rewards website.


ADDITIONAL SECURITY INFO AND OPTIONS

Click An Option Below To Learn More

Enhanced Security
Loan Protection
Extras
 




GET MORE BACK WITH BREW REWARDS FROM ON TAP

Spend less on interest with 5.99% on all rewards card purchases for the first 12 months.

Consolidate debt with 6.99% on all balance transfers to your reward card for the first 12 months.

 

 With Brew Rewards you get to pick the rewards that fit your lifestyle.

Earn One Point For Every Purchase Dollar You Spend Using Your Card

Select How You Want To Redeem Points Online Or Via Mobile Device

Enjoy Cash Back Or Save On Travel, Gift Cards, Merchandise, And More

SIGN IN TO ONLINE BANKING OR VISIT THE BREW REWARDS WEBSITE TO SEE YOUR POINTS
 
BREW REWARDS


 

PAY THE CONVENIENT WAY WITH DIGITAL WALLETS

Looking for a faster, more convenient way to pay? Check out these digital wallet options and access your cards with the tap of your phone.

SET UP YOUR DIGITAL WALLET



CRAFT THE CARD THAT'S RIGHT FOR YOU IN 4 EASY STEPS
 


 

STEP 1: COMPARE YOUR OPTIONS
On Tap
Summit 
Rewards
 FirstBank Chase
PURCHASE APR
STARTS AT
10.90% 
13.90% 
 15.15% 14.99%
BALANCE TRANSFER
APR STARTS AT
10.90% 
13.90%
 18.15% 14.99%
CASH ADVANCE APR
STARTS AT
10.90% 
13.90%
 18.15% 24.99%
ANNUAL FEE
$0
$0
 $0 $0
BALANCE TRANSFER FEE
$0
$0
 $2 or 2.5% Of Each Transfer (Whichever Is Higher) $5 or 5% Of Each Transfer (Whichever Is Higher)
CASH ADVANCE FEE
$0
$0
 $2 or 2.5% Of Each Transaction (Whichever Is Higher) $10 or 2.5% Of Each Transaction (Whichever Is Higher)

(Sourced from chase.com and efirstbank.com as of November 22, 2021)



STEP 2: CALCULATE YOUR SAVINGS
Compare how fast you could pay off your credit card debt with a lower interest rate.

CALCULATE AND COMPARE
 

 
STEP 3: CHOOSE YOUR DESIGN
Explore our exclusive designs that celebrate your favorite Colorado beers and the sites that make our state so unique.

CHOOSE YOUR DESIGN



STEP 4: APPLY FOR YOUR CARD IN LESS THAN 5 MINUTES
Complete your refreshingly fast application in less time than it takes to finish your favorite beverage.
 
I'M READY TO APPLY
I WANT TO SPEAK WITH AN EXPERT FIRST


“We were able to consolidate our debts into one credit card with a lower interest rate. We refinanced both our cars and we are now credit card debt free!! This means more vacation time for the family!”
Jennifer C. Member Since 2008
 
For our full credit card disclosure:
click here for summit

















Frequently Asked Questions

 
What credit cards does On Tap Credit Union offer?
We offer two low, fixed-rate Visa® credit cards, the Summit Visa with our lowest rate and the Rewards Visa which lets you earn rewards points on every dollar you spend.
 
How can a fixed, low interest credit card help me?
A fixed, low interest credit card from On Tap can help you reduce interest costs on purchases and balance transfers, making it easier to pay down debt and save money compared to higher, variable-rate cards.
 
Do your credit cards have annual fees or balance transfer fees?
No! Our Visa® credit cards include no annual fee, no balance transfer fee, and no cash advance fee, helping you keep costs down while you use your card responsibly.
 
Can I use digital wallets with my On Tap credit card?
Absolutely! Once your card is activated, you can add it to digital wallets like Apple Pay and Google Pay for secure, convenient contactless payment on the go.
 
Can I transfer my existing credit card balances?
Yes, with our introductory balance transfer offer you may be able to consolidate higher-interest debt onto a lower fixed-rate card and save on interest during the introductory period.
 
How do I apply for a fixed low-rate credit card?
You can apply online in just a few minutes or speak with one of our experts first to answer your questions. We aim to make the application process quick and straightforward!
 
Is membership required to get a credit card with On Tap?
Yes, a $5 membership share is required to qualify for a credit card with On Tap Credit Union, giving you access to our low fixed rates and member-focused service. If you are not yet a member, we will help you become one as part of the approval process.
 
How can a fixed, low-rate credit card help me save money?
By lowering the interest rate on your purchases and balance transfers, a low rate card reduces the amount of interest you pay, helping you pay down your balance faster and keep more money in your wallet.
 
What should I do if my credit card is lost or stolen?
If your card is lost or stolen, sign into online or mobile Banking to lock your card right away and contact us immediately so we can help protect your account.
 
 
Can a Credit Card Help Build Credit?
Credit Card Rewards vs. Low Interest Rates: Which Is Better?
How Credit Card Interest Works and How To Minimize It
How To Choose The Right Credit Card
 


























































*APR = Annual Percentage Rate. 2.99% Promotional APR on Qualifying Summit Credit Card Purchases. Qualifying purchases posted to an eligible Summit credit card account between October 5, 2026 and December 31, 2026 will receive a 2.99% promotional APR through June 30, 2027. Beginning July 1, 2027, remaining promotional balances will be subject to the cardholder's standard purchase APR, currently ranging from 10.90% to 21.00% APR based on creditworthiness. Offer excludes cash advances, balance transfers, convenience checks, fees, existing balances, and other non-qualifying transactions. Accounts currently receiving another promotional APR offer are not eligible. Additional terms and conditions apply.
 
**2X Points - Offer valid 10/1/26–12/31/26 for current On Tap Credit Union Rewards Credit Card Cardholders. 2x points (2 points per $1) applies to grocery, gas, and EV charging purchases during the specified time period. Points post within 2 billing cycles. Accounts must be in good standing. Offer may be modified or withdrawn without notice. 
 
***Rewards Bonus - Offer valid 9/1/26–12/31/26 for current On Tap Credit Union Rewards Credit Card Cardholders. Points post within 2 billing cycles. Account must be in good standing. Offer may be modified or withdrawn without notice.
 

**** Rewards Credit Cards. APR = Annual Percentage Rate. Conditions, restrictions, and credit approval apply. The 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. OTCU membership of $5 is required. Federally Insured by NCUA