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Credit Cards in Salem, Oregon

Credit Union Credit Cards Through Valley Credit Union

Choose Valley Credit Union for your next credit card

Looking for a simple credit card that’s built to help you save? Whether you’re transferring a balance or just want better rewards, Valley Credit Union has a card that will fit your life and budget.

Apply online and experience the difference of Oregon credit cards through a local credit union that puts people before profits. Contact us now!

Apply Now

Online Credit Card Access

Business Credit Card Online Access

Why choose credit cards through credit unions?

Too many banks load their credit cards with high fees and confusing fine print. At Valley Credit Union, our credit cards come with no annual fees and the same straightforward terms and exceptional service our members are used to.

Our credit cards help you save money through:

  • Low interest rates
  • No processing fees or application fees
  • No annual credit card fees
  • No cash advance fees
  • No balance transfer fees
  • Minimum 3% loan balance payment
  • Mobile wallet compatibility (Apple Pay, Google Pay, Samsung Pay)

Credit Card Options for Every Credit Journey

We offer three credit card options that are each designed to meet your financial goals. 

 
Interest Rates
Details MC Classic MC Secured MC Rewards
Rate Ranges 11.50% - 17.50% 16.50% 13.50% - 16.50%
Intro BT (6 months) 2.99% 2.99% 2.99%
APR for Balance Transfers (Go To) Same as Purchase Rate Same as Purchase Rate Same as Purchase Rate
APR for Cash Advances Same as Purchase Rate Same as Purchase Rate Same as Purchase Rate
Penalty APR 18.00% 18.00% 18.00%
Rewards
Details MC Classic MC Secured MC Rewards
Rewards No No Yes
Reward Value (earn rate) n/a n/a 1.00%
Fees
Details MC Classic MC Secured MC Rewards
Annual Fee None None None
Application Fee None None None
Cash Advance Fee (ATM/Branch) None None None
Balance Transfer Fee None None None
Foreign Transaction Fee 1% 1% 1%
Late Fee (billed @ cycle) $25 $25 $25
Over Limit None None None
Returned Payment $25 $25 $25

Need help choosing the right credit card? Just reach out and we’ll be happy to help you decide.

Earn Rewards You Actually Want

With uChoose Rewards, our members get to choose the rewards they earn. 

  • Redeem points from 3-4 million merchandise redemption options
  • Redeem points for gift cards at more than 100 retailers
  • Choose cash back if you prefer flexibility
  • Pool points across all registered cards/accounts for faster rewards

Security & Control at Your Fingertips

Your peace of mind matters. That’s why all Valley Credit Union Oregon credit cards come with Card Valet, a powerful fraud protection and card management tool that lets you:

  • Lock and unlock your card instantly through a mobile app
  • Set spending limits or geographic controls
  • Get real-time alerts for purchases and credit card transactions
  • Control how, where, and when your card is used

Valley Business Credit Card

We also offer Valley Business Credit Cards designed to help you manage expenses and grow confidently. Contact us for more details about business credit card solutions tailored to Oregon entrepreneurs.

Apple Pay, Google Pay & Samsung Pay

Use your Valley credit and debit cards securely and conveniently with your phone. These mobile wallet apps let you make quick payments in stores, online, or on apps, and even store your favorite rewards and gift cards.

Ready to apply?

We’re proud to serve the Salem community with credit cards and digital banking that make life easier. Apply online today and get the benefits you deserve.

Apply Now Contact Us

*APR = Annual Percentage Rate. The interest rate a member pays is based on the member's creditworthiness, credit history, and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Membership requirements apply.