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Exclusive Benefits

With a competitively low rate, no annual fee, and a free rewards program, our credit card was designed to appeal to every need. Plus, with the added security of chip-enabled technology and a robust protection program, you can use your card with the added peace of mind knowing you’re covered.

  • No annual fee
  • Competitive rates, starting at 12.99% APR,¹ based on creditworthiness
  • 24-hour replacement card assistance with Mastercard Global Service
  • Enhanced card security and digital services

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Terms, and Conditions
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Rewards Program
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Free Rewards Program

We believe in a rewards program that’s free, easy to use, and provides the types of rewards you want. Simply use your card for everyday purchases (things like gas, groceries, bills, large purchases). By earning 1 point for every $1 spent, you’ll be on your way to redeeming for all the things you love. Looking for a special gift? Planning a trip and need to book your tickets? Want flexibility with a gift card or cash rewards? With plenty of options and no rotating categories, we make it easy to redeem rewards your way.

  • 1 point per $1 spent on eligible purchases
  • Redeem for merchandise, gift cards, cash rewards, travel, adventures, and more
  • Exclusive access to Mastercard Priceless® Surprises

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Safe and Secure

Technology is advancing and so are our safety measures to help keep your purchases and your personal information protected. From traveling abroad to online shopping, you can use your credit card with confidence knowing you’re covered.

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Digital Convenience

We make it easier to manage your account anytime, and from anywhere with our online account management. Plus, with the touch of a button, Apple Pay®, Google Pay™, Samsung Pay®, and Masterpass provide secured convenience when making transactions.

  • 24/7 online self-service with MyCardInfo in Digital Banking
  • Apple Pay, Google Pay, and Samsung Pay digital wallets

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Platinum Rewards Mastercard® & Your Digital Wallet

Image of Orange County's Credit Union Platinum Rewards Credit Card


Make payments easily and securely using your iPhone®, iPad®, or Apple Watch®.


Add your card to your Samsung® device and pay with just a tap.


Use Google Pay™ for faster checkout with compatible devices.

Platinum Rewards Mastercard® is Ready for Your Digital WalletImage of Orange County's Credit Union Platinum Rewards Credit Card




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Qualification is based on assessment of individual creditworthiness and our underwriting standards. Not all will qualify. Membership is required to obtain a credit card. Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family Member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Adoptive Relationships

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated, used pursuant to a license. Apple Pay is a trademark of Apple Inc.

¹APR is Annual Percentage Rate. Variable rate as of 4/1/20 will vary with the market based on Prime Rate. Programs, rates, terms, and conditions subject to change after account opening and without notice. For a more complete list of terms and conditions, contact us.

²Certain restrictions apply. See for details.

Guide to Benefits

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.