America First Credit Union Visa® Signature Credit Card
in Personal Credit Cards from America First Credit Union
UnaffiliatedAmerica First Credit Union Visa® Signature Credit Card
in Personal Credit Cards from America First Credit Union
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| Purchase APR (Variable APR) | 13.49 |
| Balance Transfer APR (Variable APR) | 13.49 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
America First Credit Union Visa® Signature Credit Card Review
This is a cashback credit card issued by America First Credit Union. If you're wondering whether America First Credit Union Visa® Signature Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. America First Credit Union Visa® Signature Credit Card has a variable 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 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.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
| The Good | The Bad |
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Does America First Credit Union Visa® Signature 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.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does America First Credit Union Visa® Signature Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does America First Credit Union Visa® Signature Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the America First Credit Union Visa® Signature Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for America First Credit Union Visa® Signature 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. It has lower than average regular APRs.It 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 First Credit Union Visa® Signature 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 First Credit Union Visa® Signature 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 First Credit Union Visa® Signature Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $10 |
| Late Payment Fee | up to $35 |
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 First Credit Union Visa® Signature Credit Card have a foreign transaction fee?
America First Credit Union Visa® Signature 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 America First Credit Union Visa® Signature Credit Card?
The America First Credit Union Visa® Signature Credit Card customer service number is (800) 999-3961.
What is the support contact email for America First Credit Union Visa® Signature Credit Card?
The support contact email for America First Credit Union Visa® Signature Credit Card is support@americafirst.com .
Does America First Credit Union Visa® Signature Credit Card report your account activity to credit bureaus?
Yes, America First Credit Union Visa® Signature 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 America First Credit Union Visa® Signature Credit Card
- Visit the America First Credit Union Visa® Signature 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.
Contact
- Headquarters
-
455 E 500 S. Ste 100
Salt Lake City, UT 84111 - (800) 999-3961
- Visit Site
- Email Support
Other Services by America First Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | 0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee (%) | Starting at 1.5 |
| Foreign Currency Transaction Fee | 1 |
| Returned Payment Fee | Up to 10 |
| Late Fee Amount | Up to 35 |
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