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  OneAZ Credit Union Visa Choice Rewards Credit Card
OneAZ Credit Union Visa Choice Rewards Credit Card
in Credit Cards from OneAZ Credit Union
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OneAZ Credit Union Visa Choice Rewards Credit Card

Unaffiliated
in Credit Cards from OneAZ Credit Union
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Highlights
Purchase APR  (Variable APR) 10.99% - 18%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 10.99% - 18%
(Verified 08/04/2023)
Credit Score Range 650 - 850
Annual Fee $0

OneAZ Credit Union Visa Choice Rewards Credit Card Review

This is a rewards card issued by OneAZ Credit Union. If you're wondering whether OneAZ Credit Union Visa Choice Rewards Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. OneAZ Credit Union Visa Choice Rewards Credit Card has a variable purchase APR that ranges from 10.99% up to 18%.
  • 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 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of OneAZ Credit Union Visa Choice Rewards Credit Card

The Good The Bad
  • Receive double reward points for balance transfers in the first 90 days
  • Receive 5,000 points after your first monetary transaction
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere OneAZ Credit Union Visa Choice Rewards Credit Card is accepted.
  • OneAZ Credit Union Visa Choice Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

OneAZ Credit Union Visa Choice Rewards Credit Card FAQ

Does OneAZ Credit Union Visa Choice Rewards Credit Card have a cash back or rewards program?

OneAZ Credit Union Visa Choice Rewards Credit Card is a rewards card.

OneAZ Credit Union Visa Choice Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does OneAZ Credit Union Visa Choice Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does OneAZ Credit Union Visa Choice Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the OneAZ Credit Union Visa Choice Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for OneAZ Credit Union Visa Choice Rewards 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. This card has lower than average regular APRs.

OneAZ Credit Union Visa Choice Rewards Credit Card has a variable purchase APR that ranges from 10.99% up to 18%. The card has a variable balance transfer APR that ranges from 10.99% up to 18%. It also has a variable cash advance APR that ranges from 10.99% up to 18%. Note that late payments are subject to an APR of 18% 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 OneAZ Credit Union Visa Choice Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 6 months.

OneAZ Credit Union Visa Choice Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 10.99% - 18%

Does OneAZ Credit Union Visa Choice Rewards Credit Card have an intro APR offer on new purchases?

OneAZ Credit Union Visa Choice Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 6 months.

What are the fees for OneAZ Credit Union Visa Choice Rewards Credit Card?

The following fees apply:

OneAZ Credit Union Visa Choice Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 1%
Returned Payment Fee Starting at $ up to $25
Late Payment Fee Starting at 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 OneAZ Credit Union Visa Choice Rewards Credit Card have a foreign transaction fee?

OneAZ Credit Union Visa Choice Rewards 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 OneAZ Credit Union Visa Choice Rewards Credit Card?

The OneAZ Credit Union Visa Choice Rewards Credit Card customer service number is (844) 663-2928.

What is the support contact email for OneAZ Credit Union Visa Choice Rewards Credit Card?

The support contact email for OneAZ Credit Union Visa Choice Rewards Credit Card is questions@oneazcu.com .

What is the OneAZ Credit Union Visa Choice Rewards Credit Card login page?

You can access the OneAZ Credit Union Visa Choice Rewards Credit Card login page here.

How do people rate the customer service and user experience of OneAZ Credit Union Visa Choice Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does OneAZ Credit Union Visa Choice Rewards Credit Card report your account activity to credit bureaus?

Yes, OneAZ Credit Union Visa Choice Rewards 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 OneAZ Credit Union Visa Choice Rewards Credit Card

  • Visit the OneAZ Credit Union Visa Choice Rewards 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 8:00am - 6:00pm
  • Tuesday 8:00am - 6:00pm
  • Wednesday 8:00am - 6:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:00am - 6:00pm
  • Saturday Closed

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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

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
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
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 10.99% - 18%
APR Type Variable APR
Balance Computation a method called “Average Daily Balance” (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 10.99% - 18%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.99% - 18%
(Verified 08/04/2023)
Card Type
  • Rewards
Card Network Visa

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