Arizona Financial Credit UnionVISA SIGNATURE REWARDSRegistry illustration · issuer artwork unavailable

VISA SIGNATURE REWARDSArizona Financial Credit Union · state credit union, AZ · NCUA 68730

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

Open the document Download JSONAdd to compare

Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

We don't believe in charging our members unnecessary fees. That's why our cards have no annual fee!

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	We don't believe in charging our members unnecessary fees. That's why our cards have no annual fee!ARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“We don't believe in charging our members unnecessary fees. That's why our cards have no annual fee!”ARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	$0, No Cash Advance or Balance Transfer FeesARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No Cash Advance or Balance Transfer Fees”ARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	$0, No Cash Advance or Balance Transfer FeesARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No Cash Advance or Balance Transfer Fees”ARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Cash back	1.50% cash back. Payment timing is not disclosed. Earn 1.5% cash back on purchasesARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 1.5% cash back on purchases”ARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cashback qualificationsCash back	Earn 1.5 points for every $1 spent on net purchases. Points can be redeemed for cash back starting at $50. Certain categories of purchase such as cash advances and gift cards do not qualify. See full terms and conditions for full details.ARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 1.5 points for every $1 spent on net purchases. Points can be redeemed for cash back starting at $50. Certain categories of purchase such as cash advances and gift cards do not qualify. See full terms and conditions for full details.”ARIZONA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

credit-card-disclosurespage 1 of 1

IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of _________________ . You can contact us toll free at the number or address listed above to inquire if any changes occurred since the effective date.

INTEREST RATESand INTEREST CHARGES: VISA PLATINUM: · SECURED VISA: · VISA SIGNATURE REWARDS: Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers Penalty APR and When it Applies · ThisAPR may be applied to your account if you: 17.99% 1. Make a payment that is late 60 days or more; 2. Go over your credit limit; 3. Make a payment that is returned; or 4. Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments. If we increase your APRs for any other reason, we may keep them at this higher level on new balances indefinitely. %- depending on your credit history. ThisAPR will vary with the market based on the Prime Rate. ThisAPR will vary with the market based on the Prime Rate % % · % ThisAPR is a fixed rate. None Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · None For Credit Card Tips from the Consumer Financial Protection Bureau · Tolearn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES: Fees to Open or Maintain your Account • Account Set Up Fee: · None Transaction Fees • Balance Transfer: • Cash Advance: • Foreign Transaction: · None None Visa Platinum and Secured Visa: 3 %of each transaction in U.S. dollars Visa Signature Rewards: None Penalty Fees • Late Payment: • Over-the-Credit Limit: • Returned Payment: · The late charge for payments received after the due date is equivalent to the minimum required payment amount up to a maximum of $25.00 . None If your payment is returned for any reason, we will charge you the minimum required payment amount or $25.00 , whichever is less.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

ARIZONA FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:7fa5d38390416f5b362b9c27883b11eb45bcfdd36de695cfa54b1096d2d11d01
“We don't believe in charging our members unnecessary fees. That's why our cards have no annual fee!”
Open source link ↗
ARIZONA FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:7fa5d38390416f5b362b9c27883b11eb45bcfdd36de695cfa54b1096d2d11d01
“No Cash Advance or Balance Transfer Fees”
Open source link ↗
ARIZONA FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:7fa5d38390416f5b362b9c27883b11eb45bcfdd36de695cfa54b1096d2d11d01
“Earn 1.5% cash back on purchases”
Open source link ↗
ARIZONA FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:7fa5d38390416f5b362b9c27883b11eb45bcfdd36de695cfa54b1096d2d11d01
“Earn 1.5 points for every $1 spent on net purchases. Points can be redeemed for cash back starting at $50. Certain categories of purchase such as cash advances and gift cards do not qualify. See full terms and conditions for full details.”
Open source link ↗
ARIZONA FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:7fa5d38390416f5b362b9c27883b11eb45bcfdd36de695cfa54b1096d2d11d01
“17.99%”
Additional source detail; structured values remain unknown. APR wording retained; the supplied evidence does not establish a capture date for a dated APR observation.
Open source link ↗
ARIZONA FINANCIAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:7fa5d38390416f5b362b9c27883b11eb45bcfdd36de695cfa54b1096d2d11d01
“Visa® Signature Rewards”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer fee, Cash advance fee, Cash back

Offered through: Arizona Financial Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68730
Branches: 21 in AZ
Sources: Official issuer · 2 documents · 0 pages cited

Documents

credit-card-disclosureseffective date not parsedName declaration: VISA SIGNATURE REWARDS · page 1
IMPORTANT CREDIT CARD DISCLOSURESeffective date not parsedName declaration: VISA SIGNATURE REWARDS · page 1

VISA SIGNATURE REWARDSArizona Financial Credit Union · state credit union, AZ · NCUA 68730

Rates and fees