Points? They’re the whole point.
Now when you buy cool stuff, you can get more cool stuff. Pretty neat, huh? With a Choice Rewards Credit Card, you’ll earn points with every dollar you spend. How you decide to redeem them is up to you.
New to OneAZ?
You can submit your credit card application and become a member at the same time.
Existing members can submit a loan application by clicking the link below.
Feature and Benefits
- APR may range from 10.99% to 18.00% based on applicant's credit1
- Select your reward of choice: cash back, travel, gift cards, merchandise or charity donations
- Receive double reward points for balance transfers in the first 90 days
- Receive 5,000 points after your first monetary transaction
- Cash advances at ATMs
- $2,500 minimum limit
- Online account access
- Auto rental insurance
- Roadside dispatch program
What will it take to pay off your balance? Use this calculator to understand how long it will take to pay off your balance.
1 All loans subject to credit and income approval. Please see table below.
|INTEREST RATES AND INTEREST CHARGES|
|Annual Percentage Rate (APR) for Purchases||Your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.|
|APR for Balance Transfers||Your APR will be 10.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.|
|APR for Cash Advances||Your APR will be 10.99% - 18.00%, 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 Federal Reserve Board||To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.|
3% of the cash advance transaction (minimum $10.00)
1% of the US dollar amount of the foreign transaction
Late Payment Fee
Returned Item Charge
$25.00 or the amount of the returned item, whichever is less
Pay by Phone
How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases).
Effective Date. The information about the costs of the card described in this disclosure is accurate as of May 1, 2020. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.