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  Arizona Central Credit Union Visa® Gold Credit Card

Arizona Central Credit Union Visa® Gold Credit Card

in Personal Credit Cards from Arizona Central Credit Union

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Arizona Central Credit Union Visa® Gold Credit Card

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in Personal Credit Cards from Arizona Central Credit Union

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Highlights
Purchase APR  (Variable APR) 10.9% - 14.9%
Balance Transfer APR  (Variable APR) 10.9% - 14.9%
Credit Score Range N/A
Annual Fee N/A

Arizona Central Credit Union Visa® Gold Credit Card Review

This is a credit card issued by Arizona Central Credit Union. If you're wondering whether Arizona Central Credit Union Visa® Gold Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Arizona Central Credit Union Visa® Gold Credit Card has a variable purchase APR that ranges from 10.9% up to 14.9%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
Pros & Cons of Arizona Central Credit Union Visa® Gold Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Arizona Central Credit Union Visa® Gold Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Arizona Central Credit Union Visa® Gold Credit Card FAQ

Does Arizona Central Credit Union Visa® Gold Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Arizona Central Credit Union Visa® Gold Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Arizona Central Credit Union Visa® Gold Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 10.9% up to 14.9%. The card has a variable balance transfer APR that ranges from 10.9% up to 14.9%. It also has a variable cash advance APR that ranges from 10.9% up to 14.9%.

Does Arizona Central Credit Union Visa® Gold Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Arizona Central Credit Union Visa® Gold Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Arizona Central Credit Union Visa® Gold Credit Card?

The following fees apply:

Arizona Central Credit Union Visa® Gold Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Arizona Central Credit Union Visa® Gold Credit Card have a foreign transaction fee?

Arizona Central Credit Union Visa® Gold Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Arizona Central Credit Union Visa® Gold Credit Card?

The Arizona Central Credit Union Visa® Gold Credit Card customer service number is (602) 798-7101.

Does Arizona Central Credit Union Visa® Gold Credit Card report your account activity to credit bureaus?

Yes, Arizona Central Credit Union Visa® Gold Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Arizona Central Credit Union Visa® Gold Credit Card

  • Visit the Arizona Central Credit Union Visa® Gold Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 10:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

Other Services by Arizona Central Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 10.9% - 14.9%
Credit Limit Starting at $3,000
Purchase APR (Variable APR) 10.9% - 14.9%
Balance Transfer APR (Variable APR) 10.9% - 14.9%
Card Type
  • Low Interest
Card Network Visa

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