Visa® Signature Credit Card

With a low APR and 1.50% rebate on qualifying  purchases1, this is the card for those who want it all.

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VISA® Signature credit card from OneAZ Credit Union

Features and Benefits
  • 1.90% introductory APR on purchases, balance transfers and cash advances for six months1
    (APR may range from 12.74% to 18.00% based on applicant's credit after introductory period)
  • Standard 1.50% rebate on qualifying purchases2
  • ZERO annual fee
  • ZERO transfer balance fees
  • 24/7 fraud protection by Falcon
  • Visa® Signature Concierge service
  • Travel related benefits (lost luggage reimbursement)
  • Roadside Dispatch
  • $5,000 minimum limit
  • Cash advances at ATMs
  • Online account access

1  APR = Annual Percentage Rate.  Click here for the Pricing Agreement

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 1.90% For introductory period of 6 months.
After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Balance Transfers Balance Transfer APR: 1.90% introductory period of 6 months.
After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Cash Advances Cash Advance APR: 1.90% For introductory period of 6 months.
After that, your APR will be 12.74% - 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 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

   $10.00

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, 2019. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union

2 Please see Terms and Conditions for further information.