Arizona FCU Visa Signature Cashback Rewards

Arizona FCU Visa Signature Cashback Rewards Review

This is a cashback card issued by Arizona Financial Credit Union. If you're wondering whether Arizona FCU Visa Signature Rewards is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 17.99%
• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Arizona FCU Visa Signature Rewards

The Good	The Bad
No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Cardholders can earn rewards on their purchases. Arizona FCU Visa Signature Cashback Rewards reports to multiple credit bureaus.	Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus.

Arizona FCU Visa Signature Rewards FAQ

Does Arizona FCU Visa Signature Rewards have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Arizona FCU Visa Signature Rewards Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Arizona FCU Visa Signature Rewards benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Arizona FCU Visa Signature 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 higher than average regular APRs.

Arizona FCU Visa Signature Cashback Rewards has a fixed purchase APR of 17.99%. The card has a fixed balance transfer APR of 17.99% . It also has a fixed cash advance APR of 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.

What are the fees for Arizona FCU Visa Signature Rewards?

The following fees apply:

Arizona FCU Visa Signature Cashback Rewards Fees

Description
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 cashback card.

Does Arizona FCU Visa Signature Cashback Rewards report your account activity to credit bureaus?

Yes, Arizona FCU Visa Signature Cashback 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 Signature Rewards

• Visit the Arizona FCU Visa Signature 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.