For 12 months on purchases made in the first 90 days.
Make more of your first 90 days
You deserve to be rewarded for your purchases. With the OneAZ Visa Choice Rewards Credit Card, you earn points on every dollar you spend. Plus, we let you choose how you want to redeem your points. Choose from cash back, travel points, gift cards, merchandise or charitable donations.
Every OneAZ Credit Card Comes with Built-In Perks
Enjoy everyday value, added protection, and extra peace of mind with benefits designed to support the way you shop, travel, and manage your money.
No Annual Fee
Keep more money in your pocket with a OneAZ credit card that gives you everyday purchasing power without an annual fee.
24/7 Fraud Protection
Shop with confidence knowing your card activity is monitored around the clock to help detect and prevent suspicious transactions.
Retail Purchase Protection**
Eligible purchases may be protected against damage or theft, giving you added reassurance when you use your OneAZ credit card.
Travel Accident Insurance
Get added peace of mind while you travel with accident insurance coverage available when you use your eligible OneAZ credit card.
See if you're pre-qualified for a credit card without impacting your credit score.
Visa Choice Rewards
Earn Points for Every Purchase
Reward yourself today with points on every dollar you spend.3
5,000
Bonus Points
After your first monetary transaction.2
2X
Reward Points
On balance transfers in the first 90 days.2
$0
Annual Fee
No annual fee.
More Card Benefits
$2,500 minimum limit Online account access Roadside dispatch program Redeem points for cash back, travel rewards, gift cards, merchandise or charitable donations Cash advances at ATMsChoice Rewards Credit Card Quick Links
Apply
Click
You can submit your credit card application online.
Call
Call our team 24/7 and speak to a banker to get set up!
Schedule
Schedule an appointment at your local branch.
Seamless shopping with your digital wallet.
Use your OneAZ debit or credit card with Apple Pay™, Google Pay™, and Samsung Pay™!
Credit Card Resources Guide
At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.
How to Take Advantage of Credit Card Rewards
Take advantage of credit card rewards programs while using your card wisely, so you can build credit while earning cash back, travel miles or points.
Keep ReadingHow Does a Credit Limit Work?
A credit limit is the maximum amount your lender will allow you to borrow using revolving credit such as a credit card or a line of credit.
Keep ReadingTips for New Credit Card Holders
There are plenty of enticing offers for credit cards out there, but no card is one-size-fits-all. Here's all you need to know to find the right fit!
Keep Reading**Up to $500 per claim - up to $5,000 per cardholder
1 Please see table below.
| INTEREST RATES AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases | 0.00% APR introductory period of 12 months on all purchases made within the first 90 days of open date. After that, your APR will be 14.49% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. |
|---|---|
| APR for Balance Transfers | Balance Transfer APR: 14.49% - 24.00%, creditworthiness and will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Cash Advance APR: 14.49% - 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 January 1, 2026. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.
Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a payment more than 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 Choice Rewards Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.
2 THINGS YOU SHOULD KNOW ABOUT THIS REWARDS PROGRAM
How are Reward Points Calculated?
Points are calculated on each individual purchase transaction and rounded [up or down] to the nearest whole dollar. The individual results are then added together and we subtract any returns, credits or adjustments to determine the net points earned. Points are calculated and credited daily.
How Do I Redeem My Rewards?
There are five ways you can redeem your points:
- Travel Redemption
- Merchandise Redemption
- Merchant Gift Card Redemption
- Cash Redemption
- Donation Redemption
There is no fee to participate in the OneAZ rewards program and you are automatically enrolled when opening a OneAZ Choice Rewards Credit Card.
All point redemptions are final. Redemptions are subject to point availability and other conditions contained in the Choice Rewards Credit Card Terms and Conditions disclosure.
Disputes:
- All point disputes must be made in writing and sent to:
OneAZ Credit Union
Attn: Card Services
2355 W. Pinnacle Peak Road
Phoenix, AZ 85027 - You must contact us within 60 days after the error appeared on your statement. You must notify us in writing
- All decisions by OneAZ regarding point disputes are final.
When we receive your letter, we must do two things:
- Within 30 days of receiving your letter, we must tell you we received your letter. We will also tell you if we have already corrected the error.
- Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement is correct.
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.
