Platinum Credit Card
Looking for a low rate, straightforward card? Get the Platinum credit card that is easy to use.
1.99% APR
6-Month Introductory APR1
New to OneAZ?
You can submit your credit card application and become a member at the same time.
Existing Members
Existing members can submit a loan application by clicking the link below.
Feature and Benefits
- 1.99% 6-month introductory APR. After introductory period, APR may range from 9.99% 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
Balance Calculator
What will it take to pay off your balance? Use this calculator to understand how long it will take to pay off your balance.
APR = Annual Percentage Rate.
1 All loan 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 9.99% - 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 9.99% - 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 9.99% - 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. |
| 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, 2020. 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.
