OnPoint Signature Visa® with Cash Back Rewards
OnPoint Community Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of OnPoint Community Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The OnPoint Signature Visa® with Cash Back Rewards from OnPoint Community Credit Union earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Spend at least $1,000 on your new card within the first 90 days and receive a $100 bonus..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
What does the OnPoint Signature Visa with Cash Back Rewards earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how OnPoint Signature Visa with Cash Back Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how OnPoint Signature Visa with Cash Back Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the OnPoint Signature Visa with Cash Back Rewards?
The OnPoint Signature Visa with Cash Back Rewards fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
OnPoint Signature Visa with Cash Back Rewards fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
What is the OnPoint Signature Visa with Cash Back Rewards welcome bonus?
In Madeen's catalog snapshot, the OnPoint Signature Visa with Cash Back Rewards welcome offer is Spend at least $1,000 on your new card within the first 90 days and receive a $100 bonus.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $100
- Terms (catalog snapshot)
- Spend at least $1,000 on your new card within the first 90 days and receive a $100 bonus.
- Minimum spend
- $1,000
- Window
- 90Days
Does the OnPoint Signature Visa with Cash Back Rewards have an annual fee?
The OnPoint Signature Visa with Cash Back Rewards has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the OnPoint Signature Visa with Cash Back Rewards?
The OnPoint Signature Visa with Cash Back Rewards includes Booking.com, Dovly Uplift™, Emergency medical & dental in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Travel reimbursement
$3,000/yrPurchase your entire common carrier ticket to your Visa Signature card and your checked or carry-on luggage is covered up to $3,000 if lost or stolen. Receive up to $2,000 in coverage for your cancelled trip due to death, accidental bodily injury, or physical illness; or due to carrier default.
Emergency medical & dental
$2,500/yrReceive up to $2,500 in coverage for emergency treatment if you become sick or accidentally injured while traveling on a trip purchased entirely on your Visa Signature card. Certain restrictions, limitations, and exclusions apply.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Roadside assistance
$50/yrGet convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week.
Travel and accident insurance
$25/yrPurchase airline tickets with your OnPoint Visa card and you and your eligible family members are automatically covered.
Warranty manager
$25/yrUp to one (1) additional year on warranties of three (3) years or less when you purchase an eligible item entirely with your eligible Visa Signature card.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Related encyclopedia topics
Common questions about the OnPoint Signature Visa with Cash Back Rewards
Does the OnPoint Signature Visa with Cash Back Rewards have an annual fee?
The OnPoint Signature Visa with Cash Back Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the OnPoint Signature Visa with Cash Back Rewards?
Dining is the strongest Madeen category for the OnPoint Signature Visa with Cash Back Rewards at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the OnPoint Signature Visa with Cash Back Rewards charge foreign transaction fees?
The OnPoint Signature Visa with Cash Back Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the OnPoint Signature Visa with Cash Back Rewards welcome bonus?
The OnPoint Signature Visa with Cash Back Rewards welcome offer in our snapshot: Spend at least $1,000 on your new card within the first 90 days and receive a $100 bonus.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the OnPoint Signature Visa with Cash Back Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the OnPoint Signature Visa with Cash Back Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the OnPoint Signature Visa with Cash Back Rewards?
Rewards on the OnPoint Signature Visa with Cash Back Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the OnPoint Signature Visa with Cash Back Rewards compare to similar cards?
Compare the OnPoint Signature Visa with Cash Back Rewards against OnPoint Signature Visa with Rewards (2% on Dining, $0 fee); OnPoint Platinum Visa with Rewards (1% on Dining, $0 fee); OnPoint Platinum Visa (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
OnPoint Signature Visa with Cash Back Rewards This card | Dining | 2% | $0 |
OnPoint Community Credit Union | Dining | 2% | $0 |
OnPoint Community Credit Union | Dining | 1% | $0 |
OnPoint Community Credit Union | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
OnPoint Community Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of OnPoint Community Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure