OneAZ Credit Union

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1.99

%
APR

6-Month Introductory APR1

Support Local Businesses with the State Forty Eight Rewards Credit Card!

Show your love for Arizona with the OneAZ State Forty Eight Rewards Credit Card! We partnered with State Forty Eight because we share a passion for the greatest state in the country. With the State Forty Eight Rewards Credit Card, you earn points with every purchase. 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 14.24% to 18.00% based on applicant's credit.1
  • Earn rewards points with every purchase
  • Choose how to redeem your rewards: cash back, travel points, gift cards, merchandise or charitable donations.
  • No annual fee
  • Earn 5,000 bonus points with your first purchase
  • Earn double rewards points on balance transfers in the first 3 months
  • $2,500 minimum limit
  • Roadside dispatch program

Get to Know Your Credit Card

Learn more about the benefits and features of your State Forty Eight Credit Card by watching our short video!

State Forty Eight Credit Card Quick Links

Supporting local business is more important than ever.

Get a 35% discount on all State Forty Eight apparel purchases. Shop online with promo code oneaz35 upon checkout at www.statefortyeight.com.

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Credit Card Resources Guide

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

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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.

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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.

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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.

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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.

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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 14.24% - 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 14.24% - 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 14.24% - 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 September 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 Choice Rewards Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.

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:

  1. Travel Redemption
  2. Merchandise Redemption
  3. Merchant Gift Card Redemption
  4. Cash Redemption
  5. 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:

  1. 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
  2. You must contact us within 60 days after the error appeared on your statement. You must notify us in writing
  3. All decisions by OneAZ regarding point disputes are final.

When we receive your letter, we must do two things:

  1. 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.
  2. 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.

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