Business Cash Rewards Credit Card
Earn cash back for all your business purchases with a OneAZ Business Cash Rewards Credit Card. Whether you’re resupplying the office or locking in a new deal over lunch, our cash back business credit card makes sure you get paid every time you swipe.
Cash Back Breakdown
More Perks to Your Cash Back Credit Card
No annual fee
Earn points for every purchase
Simplify tax preparation
Record keeping
Manage Your Business Credit Card Anytime, Anywhere
- Set transaction spending limits
- Turn card on and off
- If you're requesting a credit card limit greater than $50,000, please contact our Business Team.
Seamless Transactions with Your Digital Wallet
Use your business credit card with Apple Pay™, Google Pay™ and Samsung Pay®!
Why use digital banking?
All you need is your mobile device for in-person and online purchases
Safe and secure payment option
Convenient and contactless
Ready to talk financing for your business?
Connect with a Business Banker today!
I am committed to understanding every facet of your business so that together we can make decisions that benefit you. With over 20 years of experience in serving clients' needs, I am dedicated to providing first-class service. Banking with OneAZ is more than a partnership, we think of you as an extension of our family.
Brandon Mello, Central Region Business Banker
Your Financial Blueprint
Whether you’re just starting, looking to grow, or preparing for the future, we've got the tools and resources to help you succeed. Explore our Financial Resources Guide to help inform your decisions along the way.
What Type of Business Loan Do I Need?
Whether you’re looking to purchase new equipment or new real estate, there’s a type of business loan for you.
Keep ReadingHow to Protect Your Business’s Funds in Uncertain Times
Protecting your funds during uncertain times is crucial. Use these tips to ensure your business’s financial stability during times of uncertainty.
Keep Reading7 Tips for Small Business Owners
If you’re starting a business in Arizona, take this advice from three local small business owners.
Keep Reading*See Terms and Conditions for additional details.
Business Credit Card Disclosures
| INTEREST RATES AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases | Your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. |
|---|---|
| APR for Balance Transfers | Balance Transfer APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Cash Advance APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. |
| Penalty APR and When It Applies | 24.00% - This APR may be applied to your account if:
If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. |
| Minimum Finance Charge | If you are charged interest, the charge will be no less than $1.00. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
| FEES | |
| Annual Fee | None |
| Transaction Fees: Cash Advance Foreign Transaction |
3% of the cash advance transaction (minimum $10.00) 1% of the US dollar amount of the foreign transaction |
| Penalty Fees: Late Payment Fee Returned Item Charge |
$25.00 $25.00 or the amount of the returned item, whichever is less |
| Other Fees: Pay by Phone |
$20.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). We reserve the right to amend the VISA© Credit Card Agreement as permitted by law.
Effective Date. The information about the costs of the card described in this disclosure is accurate as of July 1, 2025. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.
Loss of Introductory APR: If applicable, we may end your introductory APR and apply the penalty APR if you make a payment more than sixty 60 days late
Billing Rights: : Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
These Account Disclosures for the Visa Business Reward are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.
