Last Updated: 07/28/2025
America 1st CU Visa Classic Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.49%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
America 1st CU Visa Classic Credit Card Review
This is a cashback credit card issued by America First Credit Union. If you're wondering whether America 1st CU Visa Classic Credit Card is the right card for you, read on.
Key Takeaways
- APRs: America 1st CU Visa Classic Credit Card has a variable regular purchase APR of 13.49%
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of America 1st CU Visa Classic Credit Card
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America 1st CU Visa Classic Credit Card FAQ
Does America 1st CU Visa Classic Credit Card 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.
| Description |
Does America 1st CU Visa Classic Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does America 1st CU Visa Classic Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for America 1st CU Visa Classic Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.America 1st CU Visa Classic Credit Card has a variable purchase APR of 13.49%. The card has a variable balance transfer APR of 13.49% . It also has a variable cash advance APR of 13.49% .
Does America 1st CU Visa Classic Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does America 1st CU Visa Classic Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for America 1st CU Visa Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 1.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does America 1st CU Visa Classic Credit Card have a foreign transaction fee?
America 1st CU Visa Classic Credit Card charges a foreign transaction fee of up to 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 America 1st CU Visa Classic Credit Card?
The customer service number for America 1st CU Visa Classic Credit Card is (800) 999-3961.
What is the support contact email for America 1st CU Visa Classic Credit Card?
The support contact email for America 1st CU Visa Classic Credit Card is support@americafirst.com .
What is the login page for America 1st CU Visa Classic Credit Card?
You can access the login page of America 1st CU Visa Classic Credit Card here.
How do people rate the customer service and user experience of America 1st CU Visa Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does America 1st CU Visa Classic Credit Card report your account activity to credit bureaus?
Yes, America 1st CU Visa Classic Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does America First Credit Union perform a hard credit pull?
Yes, America 1st CU Visa Classic Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for America 1st CU Visa Classic Credit Card
- Visit the website of America 1st CU Visa Classic Credit Card.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed