Last Updated: 07/28/2025
Arizona FCU Visa Platinum Low Rates Rewards
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.99% - 17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.99% - 17.99%(Verified 06/21/2024)
Credit Score Range
620 - 850
Annual Fee
$0
Arizona FCU Visa Platinum Low Rates Rewards Review
This is a rewards card issued by Arizona Financial Credit Union. If you're wondering whether Arizona FCU Visa Platinum Low Rates Rewards is the right card for you, read on.
Key Takeaways
- APRs: Arizona FCU Visa Platinum Low Rates Rewards has a variable regular purchase APR that ranges from 12.99% up to 17.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Arizona FCU Visa Platinum Low Rates Rewards
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Arizona FCU Visa Platinum Low Rates Rewards FAQ
Does Arizona FCU Visa Platinum Low Rates Rewards have a cash back or rewards program?
Arizona FCU Visa Platinum Low Rates Rewards is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Arizona FCU Visa Platinum Low Rates Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Arizona FCU Visa Platinum Low Rates Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Arizona FCU Visa Platinum Low Rates Rewards benefits?
Arizona FCU Visa Platinum Low Rates Rewards provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Arizona FCU Visa Platinum Low Rates Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Arizona FCU Visa Platinum Low Rates Rewards has a variable purchase APR that ranges from 12.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 17.99%. It also has a variable cash advance APR that ranges from 12.99% up to 17.99%.
Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Arizona FCU Visa Platinum Low Rates Rewards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Arizona FCU Visa Platinum Low Rates Rewards 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 FCU Visa Platinum Low Rates Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Arizona FCU Visa Platinum Low Rates Rewards have a foreign transaction fee?
Arizona FCU Visa Platinum Low Rates Rewards charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 FCU Visa Platinum Low Rates Rewards?
The customer service number for Arizona FCU Visa Platinum Low Rates Rewards is (602) 683-1000.
What is the support contact email for Arizona FCU Visa Platinum Low Rates Rewards?
The support contact email for Arizona FCU Visa Platinum Low Rates Rewards is member.services@azfcu.org.
What is the login page for Arizona FCU Visa Platinum Low Rates Rewards?
You can access the login page of Arizona FCU Visa Platinum Low Rates Rewards here.
How do people rate the customer service and user experience of Arizona FCU Visa Platinum Low Rates Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Arizona FCU Visa Platinum Low Rates Rewards report your account activity to credit bureaus?
Yes, Arizona FCU Visa Platinum Low Rates Rewards reports to the following credit bureaus:
- 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 build your credit.
Does Arizona Financial Credit Union perform a hard credit pull?
Yes, Arizona FCU Visa Platinum Low Rates Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Arizona FCU Visa Platinum Low Rates Rewards
- Visit the website of Arizona FCU Visa Platinum Low Rates Rewards.
- 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.
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Sunday
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Thursday
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Friday
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Saturday
Closed