On Tap Credit Union Credit Card Rates

How On Tap Credit Union’s credit card rates compare

Compared with banks and credit unions near Denver, CO, where On Tap Credit Union has the most branches. Ongoing purchase APR, lowest first.

Credit card score

Higher than 48% of U.S. banks and credit unions

By rate

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

Where On Tap Credit Union ranks

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

Every rate

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

Requires $5 OTCU membership share. Fixed-rate card. Earn reward points for every dollar spent.

Applies to	APR	Annual fee	Conditions
Ongoing	13.90%	None	Regular purchase APR starts at 13.90%.
Intro, 12 months	5.99%	None	Introductory purchase APR on all rewards card purchases for the first 12 months (twelve billing cycles). Reverts to regular qualified APR if not paid in full.
Intro, 12 months	6.99%	None	Introductory balance transfer APR on all balance transfers to reward card for the first 12 months.

Sources (1)

Requires $5 OTCU membership share. Fixed-rate card.

Applies to	APR	Annual fee	Conditions
Ongoing	10.90%–21.00%	None	Standard purchase APR ranging from 10.90% to 21.00% based on creditworthiness.
Ongoing	10.90%	None	Regular balance transfer APR starts at 10.90%.
Ongoing	2.99%	None	Promotional purchase APR on qualifying purchases posted between October 5, 2026 and December 31, 2026, valid through June 30, 2027. Excludes cash advances, balance transfers, convenience checks, and existing balances.

Sources (1)

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.