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Credit union · NCUA insured

Ocean State Credit Union Credit Card Rates

Top Carrot, Carrot Score 89Top Carrot

Ocean State Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.

How Ocean State Credit Union’s credit card rates compare

Compared with banks and credit unions near Providence, RI-MA, where Ocean State Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 89

    This credit union’s lowest

    Ocean State Credit Union

    8.90%APR

    OSCU Visa Platinum Rewards

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    Arise Financial

    9.90%APR

    Arise Financial rates

  • 3rd-lowest rate

    Greenwood Credit Union

    9.90%APR

    Greenwood Credit Union rates

Compare credit card rates near you →

Ocean State Credit Union credit card score

89

Credit card score

Higher than 87% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR8.90%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

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Where Ocean State Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Who can join Ocean State Credit Union

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