Choose the card that's right for you.
1.99
6-month introductory rate on purchases, balance transfers and cash advances1
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.
Visa® Platinum
Looking for a low rate, straightforward card? Get the Platinum credit card that is easy to use.
Visa® Signature
Want best of both worlds? Get a low APR and 1.50% rebate on qualifying purchases2.
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!
Instant Offers
Get personalized offers for auto, credit card, and personal loans without impacting your credit score.
Data rates apply.
Now your bank is as mobile as you are.
- Set Travel Notices
- Card Controls
- Financial Goal Setting
- Seamless on All Devices
- Alerts
- Check Ordering
Compatible with:
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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 13.74% - 18.00% for Visa Platinum Credit Card, 14.74% - 18.00% for Visa Signature and Choice Rewards Credit Cards and 15.74% - 18.00% for State Forty Eight Credit Card, 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 13.74% - 18.00% for Visa Platinum Credit Card, 14.74% - 18.00% for Visa Signature and Choice Rewards Credit Cards and 15.74% - 18.00% for State Forty Eight Credit Card, 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 13.74% - 18.00% for Visa Platinum Credit Card, 14.74% - 18.00% for Visa Signature and Choice Rewards Credit Cards and 15.74% - 18.00% for State Forty Eight Credit Card, 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:
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 December 1, 2022. This information may have changed after that date. To find out what may have changed, contact 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.
2 1.50% rebate is not eligible on cash advances and balance transfers.
