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1.99
%
APR
6-Month Introductory APR1
Earn Points for Every Purchase
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.
Features and Benefits
- 1.99% 6-month introductory APR. After introductory period, APR may range from 15.24% to 18.00% based on applicant's credit.1
- 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
- Roadside dispatch program
Instant Offers
Get personalized offers for auto, credit card, and personal loans without impacting your credit score.
Choice Rewards Credit Card Quick Links
Apply Today
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
We’ll show you how to maximize credit card rewards while using your credit card wisely in this expert guide.
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
For those starting their college career or starting a new job, keep your eye out on offers for credit cards. Figuring out how to manage credit cards is critical for new borrowers.
Keep ReadingSee what OneAZ members are saying about our credit cards!
OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.
“As longtime OneAZ members, we have found our home when it comes to banking. OneAZ Credit Union knows us, they know our kids, and they are a part of our community."
See what other members have to say about OneAZ. See Testimonials
APR = Annual Percentage Rate.
1 All loans subject to credit and income approval. 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 16.24% - 24.00%, based on your credit and income approval. |
|---|---|
| APR for Balance Transfers | Balance Transfer APR: APR will be 16.24% - 24.00%, based on your credit and income approval. |
| APR for Cash Advances | Cash Advance APR: APR will be 16.24% - 24.00%, based on your credit and income approval. |
| 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 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).
Effective Date. The information about the costs of the card described in this disclosure is accurate as of October 1, 2023. 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 36percent. 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.
