Choose the card that's right for you.

1.99

%
APR

6-month introductory rate on purchases, balance transfers and cash advances1

VISA Choice Rewards credit card from OneAZ Credit Union

Visa® Choice Rewards

Reward yourself today with points on every dollar you spend and you choose the reward: cash back, travel, gift cards, merchandise or charity donations.

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VISA Platinum credit card from OneAZ Credit Union

Visa® Platinum

Looking for a low rate, straightforward card? Get the Platinum credit card that is easy to use.

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VISA Signature credit card from OneAZ Credit Union

Visa® Signature

Want best of both worlds? Get a low APR and 1.50% rebate on qualifying purchases2.

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VISA NAU Affinity credit card from OneAZ Credit Union

Visa® NAU Alumni

One percent of every purchase you make is donated to the NAU Foundation. That means you’re giving back to your alma mater every time you shop!

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Visa State Forty Eight credit card from OneAZ Credit Union

Visa® State Forty Eight

State Forty Eight and OneAZ Credit Union know the importance of supporting Arizona businesses. Show your Arizona pride with the exclusive State Forty Eight Credit Card and get rewards every time you shop!

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OneAZ Mobile Banking app - Spending Analysis
Data rates apply.

Next Level Banking

Now your bank is as mobile as you are.

  • Set Travel Notices
  • Card Controls
  • Financial Goal Setting
  • Seamless on All Devices
  • Real-time Updates
  • Check Ordering
Compatible with:
Compatible with Apple Pay, Google Pay, Samsung Pay

Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

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ALL LOANS SUBJECT TO CREDIT AND INCOME APPROVAL.

APR = Annual Percentage Rate.

1 See table below for details. 

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 1.99% for introductory period of 6 months.
After that, your APR will be 9.99% - 18.00% for Visa Platinum Credit Card, 10.99% - 18.00% for Visa Signature and Choice Rewards Credit Cards and 11.99% - 18.00% for State Forty Eight and NAU Alumni Credit Cards, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Balance Transfers Balance Transfer APR: 1.99% for introductory period of 6 months.
After that, your APR will be 9.99% - 18.00% for Visa Platinum Credit Card, 10.99% - 18.00% for Visa Signature and Choice Rewards Credit Cards and 11.99% - 18.00% for State Forty Eight and NAU Alumni Credit Cards, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Cash Advances Cash Advance APR: 1.99% for introductory period of 6 months.
After that, your APR will be 9.99% - 18.00% for Visa Platinum Credit Card, 10.99% - 18.00% for Visa Signature and Choice Rewards Credit Cards and 11.99% - 18.00% for State Forty Eight and NAU Alumni Credit Cards, based on your creditworthiness and will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:
  • Your minimum monthly payment is more than 60 days late
  • You are in default of any other terms of the Agreement
How long will the penalty APR apply?
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 http://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 cards described in this disclosure is accurate as of July 1, 2021. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.

2 1.50% rebate is not eligible on cash advances and balance transfers.