OneAZ Credit Union

Security Alert – We have received reports of members receiving text messages and phone calls from someone claiming to be from “OneAZ Fraud Department” asking for their debit card number and expiration date. This is a phishing attempt and a security threat. If you received this text, please delete it. If you responded to the text or call and provided account information, please call the phone number on the back of your debit card, and closely monitor your transactions. Reminder – OneAZ will NEVER call or text you to request your debit card number, expiration date, or other account or personal information.

New to OneAZ?

You can submit your credit card application and become a member at the same time.

Apply Now

Already a Member?

Existing members can submit your credit card application by clicking the link below.

Apply Now

1.99

%
APR

6-Month Introductory APR1

The Everyday Card For When You Need Extra Cash

Our Visa Platinum Credit Card offers low interest rates and no annual fees - so you can access the cash you need at a lower rate. Enjoy added perks with this card like cash advances at ATMs and roadside dispatch services.

Features and Benefits

  • 1.99% 6-month introductory APR. After introductory period, APR may range from 12.99% to 18.00% based on applicant's credit.1
  • Cash advances at ATMs
  • Credit line minimum of $2,500
  • Online account access
  • Roadside dispatch program

Platinum Credit Card Quick Links

auto loans, credit cards, perfonal loans

instant icon

Instant Offers

Get personalized offers for auto, credit card, and personal loans without impacting your credit score.

View Offers

Apply Today

Click Click

Click

Apply for a credit card online!

Apply Online

Call

Call

Call our Virtual Team and get set up!

800.453.9897

Calendar

Schedule

Schedule an appointment with a personal banker.

Schedule

Credit Card Resources Guide

At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.

Explore More Topics

Your Expert Guide to Credit Card Rewards

Here is some important info for you as a credit card holder to be aware of before deciding to sign up for your next credit card rewards program.

Keep Reading

How 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 Reading

Tips 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 Reading

See what OneAZ members are saying about our credit cards!

OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.

Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

Learn More

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 1.99% for introductory period of 6 months.
After that, your APR will be 12.99% - 18.00%, 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 12.99% - 18.00%, 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 12.99% - 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:
  • 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 card described in this disclosure is accurate as of November 1, 2022. 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 Visa Platinum Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with 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.

You are leaving oneazcu.com

Continue?
Yes No