Credit Cards
A credit card, done properly.
Credit cards that reward everyday spending without hidden fees.
Overview
About Credit Cards
OBS Credit Cards are built around clarity. You always see your posted balance, your pending balance, your available credit, and the interest that will apply if you carry a balance.
No teaser rates, no annual fees on the standard card, and every promotional period is spelled out on the offer.
Rates
Interest and APR
- Purchase APR
- 17.99% to 25.99%
- Balance transfer APR
- 17.99% to 25.99%
- Cash advance APR
- 27.99%
Illustrative example. Based on creditworthiness.
Illustrative example
Illustrative example
Fees
Fee schedule
- Annual fee (Standard)
- $0
- Annual fee (Rewards)
- $95
- Late payment fee
- Up to $35
- Foreign transaction fee
- 0.00%
Illustrative example
Illustrative example
On travel oriented cards
Values shown are illustrative examples for this preview and do not constitute an offer, approval, or contractual quotation. Actual rates and fees depend on your profile, region, and eligibility.
How it works
Getting started
- 1
Check offers
See personalised offers with no impact to your credit.
- 2
Apply
Complete a short application, usually with an instant decision.
- 3
Use
Add the card to your digital wallet before the physical card arrives.
Eligibility
- Age 18 or older
- Verifiable income
- Credit assessment based on your history and profile
Requirements
- Application including income and employment
- Government issued photo ID
Try the numbers
Estimate before you apply
Use the calculator below to model an estimate. Results are for guidance only and do not constitute an offer.
FAQs
Frequently asked
Still have a question? Message an OBS specialist from Secure Messaging any time.
Related
Also consider
Debit Cards
A refined debit card with instant controls, virtual numbers, and clear limits.
Explore Debit CardsDigital Wallet
Add OBS cards to your preferred digital wallet for tap to pay everywhere.
Explore Digital WalletReal-Time Notifications
Know the moment something happens on your accounts.
Explore Real-Time NotificationsEducational resources
Learn more before you decide
- Credit
Understand how credit works and how to strengthen your profile over time.
Security
How OBS protects this experience
- Card Controls
Pause a card, restrict merchant categories, and set alerts.
- Fraud Monitoring
How OBS monitors for unusual activity on your accounts.
Ready to begin
See Card Offers
Open your OBS profile and add Credit Cards in minutes.