Credit Cards
STOP LOSING HUNDREDS TO UNNECCESARY DEBT
By Switching To A Low Interest Credit Card From On Tap
Two Unique Card Types - Always Low, Fixed Rates
SUMMIT VISA®
Our classic VISA card with
the lowest fixed-rate.
the lowest fixed-rate.
REWARDS VISA®
Earn reward points for
every dollar you spend.
every dollar you spend.
Discover The Benefits
on purchases for the first 12 months
on balance transfers for the first 12 months
no annual
fees
no balance transfer fees
no cash advance fees
low fixed
rates
fraud protection
rewards! done your way*
*Reward card option only.
ADDITIONAL SECURITY INFO AND OPTIONS
Click An Option Below To Learn More
Enhanced Security
Loan Protection
Extras
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We believe credit cards should offer security as well as convenience, a low rate and not a lot of fees
Know that your transactions are safe with EMV chip technology to protect your data, Lock It™ Card Control that allows you to turn your card on and off, and OmniShield® to guard against fraud.
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With Loan Protection, your loan payments are made for you if you can't make them yourself.
You can also customize your Loan Protection package to any one of these options:
Protect yourself and your family by getting loan protection on your auto loans and credit cards
On Tap Credit Union's Loan Protection provides peace of mind that your loans are secure in case of an unforeseen event that could impact your ability to make your payments.
With Loan Protection, your loan payments are made for you if you can't make them yourself.
You can add Loan Protection to your On Tap Credit Union auto loans, credit cards, lines of credit, personal loans and deposit-secured loans. Should an unfortunate situation occur and you cannot make your loan payments, Loan Protection:
- Helps protect you and your family against financial hardship
- Helps protect your good credit rating
- Reduces the financial burden on your family should you become disabled, lose your job or become deceased
- Is easy to enroll in and has simple eligibility requirements
- Can protect up to two borrowers per loan
You can also customize your Loan Protection package to any one of these options:
- Life
- Life and Disability
- Life, Disability, and Involuntary Unemployment
This is a summary of our Loan Protection program. Learn more here.
Enrollment in the program is voluntary and not required to obtain a loan. Loan Protection is a debt cancellation product available through On Tap Credit Union. Please contact your On Tap Credit Union loan representative for additional information on benefit maximums, eligibility and limitations. As of January 10, 2014 On Tap Credit Union no longer offers Loan Protection on Home Equity Loans.
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Our Visa® credit cards come with an additional
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(Opens in a new Window) for additional 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.
GET MORE BACK WITH REWARDS! FROM ON TAP
With 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
CLAIM YOUR REWARDS TODAY
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.
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% |
| RATE TYPE |
Fixed
Fixed
|
Variable | Variable |
| 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.
STEP 3: CHOOSE YOUR DESIGN
Explore our exclusive designs that celebrate your favorite Colorado beers and the sites that make our state so unique.
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.
“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
Cool designs, low rates and strong protection - could you want more?
*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. OTCU membership of $5 required. Federally Insured by NCUA