Visa^® Signature
Credit Card

*The campaign will be active from 12:00:00 a.m. Arizona time on November 1st and ends at 11:59:59 p.m. on November 30th, 2024. Participants must be a legal resident of Arizona and 18 or older to participate. To qualify, participants must open a OneAZ Signature Credit Card during the campaign period, activate the card within 30 days after it is funded, and spend a minimum of $2,000 on eligible purchases within the first 90 days of card activation. For information about rates, fees other costs and benefits associated with the use of this card, go to our website at https://www.oneazcu.com/personal/credit-cards/visa-signature/.

Eligible purchases are defined as authorized charges made with the OneAZ Signature Credit Card for goods and services. Excluded transactions include balance transfers, cash advances, convenience checks, gift card purchases, sports betting sites or other online gaming transactions, wire transfers, money transfers, traveler’s checks, money orders, certified checks, incidental charges, and fees (such as voluntary payment protection costs, finance charges, returned check fees, service charges, unauthorized or fraudulent transactions, and ATM fees). Purchases made when the member account(s) are not in good standing are also excluded.

The eligibility of transactions is at OneAZ's sole discretion. Qualified participants who meet the criteria listed above will receive a $200 credit to their Primary Share Savings Account within 60 days of meeting the qualifying spend. Other terms and conditions may apply. The member account(s) must be open and in good standing during the promotional period and at the time of fulfillment. OneAZ Credit Union reserves the right to modify or cancel this promotion at its discretion at any time. Member eligibility for this offer is determined solely by OneAZ Credit Union. Membership eligibility requirements apply.

Bonuses are considered dividends and will be reported on IRS form 1099-INT (or Form 1042-S), if applicable. This offer is not transferable and cannot be combined with any other promotions. 

APR = Annual Percentage Rate.

¹ All loans subject to credit and income approval. Please see table below.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases). We reserve the right to amend the Visa® Credit Card Agreement as permitted by law.

Effective Date. The information about the costs of the card described in this disclosure is accurate as of November 1, 2024. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.

Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a payment more than 60 days late.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These Account Disclosures for the Visa Signature Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.

THINGS YOU SHOULD KNOW ABOUT THIS REBATE PROGRAM

How is the Rebate Reward Calculated?

The Rebate Reward is calculated on each individual purchase transaction and rounded (up or down) to the nearest whole dollar. The individual results are then added together and we subtract any returns, credits, or adjustments to determine the net rebate earned. The Rebate Reward is calculated monthly.

How do I redeem my Rebate?

• After your rebate is calculated at the end of your statement cycle, you may choose how and when your earned cash rebate will be redeemed in our convenient Online Banking System.
• You may choose to redeem the earned cash rebate as a statement credit on your OneAZ CU Signature Visa Credit Card Account balance or as a deposit into your OneAZ CU savings or checking account.

Rebate Reward Participation

There is no fee to participate in the OneAZ CU Rebate Reward program and you are automatically enrolled when opening a OneAZ CU Visa Signature Credit Card.

Rebate Reward Disputes:

1. All Rebate Rewards disputes must be made in writing and sent to:
   OneAZ Credit Union
   Attn: Card Services
   2355 W. Pinnacle Peak Road
   Phoenix, AZ 85027
2. You must contact us within 60 days after the error appeared on your statement. You must notify us in writing
3. All decisions by OneAZ regarding point disputes are final.

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you we received your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement is correct.

IMPORTANT DISCLOSURE FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this notice verbally, please call 1.844.663.2928 during our normal business hours: Monday - Friday 8:00 am - 6:00 pm.

²1.50% rebate is not eligible on cash advances and balance transfers