Our Visa® Platinum Credit Card offers convenient access to funds as you need them with giving you benefits that add up to considerable savings.
We offer a variable rate Visa Platinum WITH and WITHOUT Awards.
Rates & Terms
We offer a 6 month introductory rate of 1.99% APR, the rate then varies from 10.00% to 17.99% APR based on one’s credit at account opening and whether the rewards option is chosen.
Extra Awards gives you points for everyday spending using a qualifying card or account from Olean Area Federal Credit Union. With Extra Awards you earn points to use toward cash, gift cards/certificates and travel anywhere in the world.
Awards are not tied to specific airlines or one company’s merchandise. There’s no need to visit special Web sites or make purchases at specified merchants to earn points. Simply use your qualifying card or account and watch the points add up. When you have enough points for the award of your choice, just submit your redemption request. That’s it!
Earn 1% cash back on purchases! Simply choose the cash back option when redeeming points.
Your travel options are virtually limitless. Use your points to head for the sun, surf, slopes, or your favorite city’s streets. Since you earn Extra Awards points, not air miles, you can travel on most major airlines with fewer restrictions. For detailed descriptions of the travel awards and points required for each, go to the link on our home page or call the redemption center toll-free at 877.909.1450 from 9 am to 9 pm Eastern Time, Monday through Friday.
Although there are no blackout dates with Extra Awards, we recommend that you book early for holiday travel. How to Redeem for Travel: Go to the awards link on Olean Area FCU’s Web site 24 hours a day and use the online booking tool or call the redemption center toll-free at 877.909.1450 from 9 am to 9 pm Eastern Time, Monday through Friday. Your point balance will be verified and your itinerary arranged.
Gift Certificates and Gift Cards
The Extra Rewards points you earn can be redeemed for gift certificates that you spend directly with participating merchants. How to Redeem for Gift Cards/Certificates: Go to the awards link on Olean Area Federal Credit Union’s Web site or call the redemption center toll-free at 877.909.1450 from 9 am to 9 pm Eastern Time, Monday through Friday. Your point balance will be verified and your requested gift cards/certificates will be mailed to you.
Choose among restaurants, travel and leisure, gasoline, and top retailers of electronics, apparel, sporting goods, music, movies, and more. Enjoy the flexibility of shopping online, visiting your favorite retail stores, or taking a trip with your Extra Awards points.
VISA Disclosure 12.31.18
Apply for a Credit Card
Activate Your Card: 800.411.6390 or go to www.activatemycards.com
Report Your Card Lost/Stolen: Online at www.reportmycards.com, call 800.682.6075 24/7 or 716.372.6607 (during business hours)
Transaction Decline Assistance Line: 888.526.0404 (For transactions that are declined)