Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, 90 days	0%ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“0.00% Introductory APR for 12-Months from account opening on the first 90 days of purchases.”ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
	16.24%–24% variableONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.”ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	16.24%–24% variableONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Balance Transfer APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.”ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	16.24%–24% variableONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Cash Advance APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.”ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	3% of the amount, minimum $10ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“cash advance fee (interest charge) of 3.0% of the cash advance transaction (minimum ten dollars [$10.00] from the date of the transaction until the amount is paid).”ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Balance transfer	—	no source read
Foreign transaction	1% of the amountONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“fee of 1.0% of the transaction amount for any Card transaction made in a foreign country.”ONEAZ · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 4
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Choice Rewards Pricing Agreementpage 1 of 3

Credit Card Pricing Agreement

FEATURING Visa ® Choice Reward

INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases · 0.00% Introductory APR for 12-Months from account opening on the first 90 days of purchases. After that, your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Balance Transfers · Balance Transfer APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. APR for Cash Advances · Cash Advance APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate. Penalty APR and When It Applies · 24.00% - This APR may be applied to your account if: • Your minimum monthly payment is more than 60 days late • You are in default of any other terms of the Agreement How long will the penalty APR apply? If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. Minimum Finance Charge · If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore FEES Annual Fee · None Transaction Fees Cash Advance Foreign Transaction · 3% of the cash advance transaction ( minimum $10.00 ) 1% of the US dollar amount of the foreign transaction

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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.

ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Balance Transfer APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.”
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ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Cash Advance APR: 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.”
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ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“0.00% Introductory APR for 12-Months from account opening on the first 90 days of purchases.”
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ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, your APR will be 16.24% - 24.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.”
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ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“cash advance fee (interest charge) of 3.0% of the cash advance transaction (minimum ten dollars [$10.00] from the date of the transaction until the amount is paid).”
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ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 4
“fee of 1.0% of the transaction amount for any Card transaction made in a foreign country.”
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ONEAZ
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Cash advance fee, Foreign transaction fee, Purchase APR

Offered through: Oneaz Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 61315
Branches: 27 in AZ
Sources: Official issuer · 2 documents · 1 page cited

Documents

Choice Rewards Agreement and Disclosureseffective date not parsed
Choice Rewards Pricing Agreementeffective date not parsed

Choice Rewards Credit CardOneaz Credit Union · state credit union, AZ · NCUA 61315

Rates and fees