Credit Cards

Ohio Catholic’s low rate credit cards have no annual, balance transfer, or cash advance fees.  Cardholders may be able to earn Rewards! points on all purchases made with your Ohio Catholic credit card. Points may be redeemed for cash, gift cards, merchandise, travel and more.  Apply for a card HERE or talk to an Ohio Catholic Representative at your favorite branch location.

 Rewards! Credit CardSecured with Rewards!Cash Back Credit Card
Standard APR*8.99% - 17.99%8.99% - 17.99%10.99% - 17.99%
Balance Transfer APR*8.99% - 17.99%8.99%10.99% - 17.99%
Cash Advance APR*8.99% - 17.99%8.99%10.99% - 17.99%
Default APR*8.99% - 17.99%N/A10.99% - 17.99%
Credit Limits$250 - $15,000Up to Pledged Savings Account Amount with a max of $15,000**$250 - $15,000
Grace Period on Purchases25 days25 days25 days
Method of ComputationAverage Daily Balance (including new purchases)Average Daily Balance (including new purchases)Average Daily Balance (including new purchases)
Minimum PaymentIf balance is under $27 - balance amount. If balance is over $27 - the greater of $27 or 2% of the balance.If balance is under $27 - balance amount. If balance is over $27 - the greater of $27 or 2% of the balance.If balance is under $27 - balance amount.
Annual FeeNoneNoneNone
Minimum Finance ChargeNoneNoneNone
Transaction Fee - Balance TransferNoneNoneNone
Transaction Fee - Cash AdvanceNoneNoneNone
Over-the-Credit-Limit FeeN/AN/AN/A
Returned Payment Fee$30$30$30
Online Account ManagementOhio Catholic Online BankingOhio Catholic Online BankingOhio Catholic Online Banking
Rewards! PointsEarn 1 point for every $2 in purchases to be redeemed for cash, gift cards, merchandise, travel, and more.Earn 1 point for every $2 in purchases to be redeemed for cash, gift cards, merchandise, travel, and more.Earn 1 point per dollar spent on all purchases.
Verified by MasterCard Protection Available YesYesYes
Optional Insurance AvailableYesNoYes

*APR= Annual Percentage Rate.   APR for all Ohio Catholic credit cards is based on your credit score.  **Pledged Savings Accounts will continue to earn dividends.