Get cashback by paying for everyday business expenses.
Your business will benefit with a low-rate rewards credit card.
If you're requesting a loan amount greater than $50,000, please contact our Business Team.
Business Cash Rewards Credit Card
We get it—running a business is hard work. Streamline your purchasing with the OneAZ Business Cash Rewards Visa Credit Card.
- Earning cashback is as easy as 3, 2, 1!
- 3% cashback on travel, office supplies, telecommunications and internet service
- 2% cashback at restaurants
- 1% cashback on all other purchase categories
- No annual fee
- Set spending limits for cardholders
- Simplify your tax preparation and record keeping
We Can Help
Our team of experts is standing by to help you achieve your financial goals.
To open a new account, apply for a loan or get answers to your questions, contact our Virtual Team or make an appointment at your local OneAZ branch today.
Apply Today
Let’s Bank Together
We serve over 10,000 local businesses
and know the
Arizona Business Community.
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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 April 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.
IMPORTANT DISCLOSURE FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this notice verbally, please call 1.844.663.2928 during our normal business hours: Monday - Friday 8:00 am - 6:00 pm.
