SuperMoney
Explore
Compare Rates

Compare All Credit Cards

Filter & compare all your options in one place.

View All Credit Cards
x No thanks, not right now
Advertiser Disclosure
  Arizona FCU Visa Platinum Low Rates Rewards
Arizona FCU Visa Platinum Low Rates Rewards
in Credit Cards from Arizona Financial Credit Union
Unaffiliated

Arizona FCU Visa Platinum Low Rates Rewards

Unaffiliated
in Credit Cards from Arizona Financial Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Arizona FCU Visa Platinum Low Rates Rewards to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Purchase APR  (Variable APR) 12.99% - 17.99%
(Verified 09/22/2023)
Balance Transfer APR  (Variable APR) 12.99% - 17.99%
(Verified 09/22/2023)
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

  • Competitive APRs. Arizona FCU Visa Platinum Low Rates Rewards has a variable 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 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 your credit score is above 620.

Pros & Cons of Arizona FCU Visa Platinum Low Rates Rewards

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Arizona FCU Visa Platinum Low Rates Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.

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.

Arizona FCU Visa Platinum Low Rates Rewards Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

Arizona FCU Visa Platinum Low Rates Rewards Fees
Description
Foreign Currency Transaction Fee 3%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
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 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 Arizona FCU Visa Platinum Low Rates Rewards customer service number 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 Arizona FCU Visa Platinum Low Rates Rewards login page?

You can access the Arizona FCU Visa Platinum Low Rates Rewards login page 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 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 FCU Visa Platinum Low Rates Rewards

  • Visit the Arizona FCU Visa Platinum Low Rates Rewards 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 - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Arizona Financial Credit Union

Icon for Credit Cards
View all credit cards offered by Arizona Financial Credit Union
Icon for Loans

Auto Loans

Be the first to rate

Personal Loans

Be the first to rate
Icon for Banking

Checking Accounts

Rating not yet determined

1 Reviews

Savings Accounts

Be the first to rate

Other Credit Cards by Arizona Financial Credit Union

Loading...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 620 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) 12.99% - 17.99%
APR Type Variable APR
Penalty APR (Variable APR) 17.99%
Purchase APR (Variable APR) 12.99% - 17.99%
(Verified 09/22/2023)
Balance Transfer APR (Variable APR) 12.99% - 17.99%
(Verified 09/22/2023)
Card Type
  • Rewards
  • Low Interest
Card Network Visa

Be the first to rate

 

Would you recommend Arizona FCU Visa Platinum Low Rates Rewards to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Mostly recommended

38 Reviews

Strongly recommended

22 Reviews

Strongly recommended

31 Reviews

View All
Browse Credit Cards
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.