America First Credit Union Visa® Signature Credit Card Review

America First Credit Union Visa® Signature Credit Card 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 is everything you need to know 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

Lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere America First Credit Union Visa® Signature Credit Card is accepted. America First Credit Union Visa® Signature Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

Is there a America First Credit Union Visa® Signature Credit Card cash back or rewards program?

America First Credit Union Visa® Signature Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

America First Credit Union Visa® Signature Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the America First Credit Union Visa® Signature Credit Card benefits?

America First Credit Union Visa® Signature Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. America First Credit Union Visa® Signature Credit Card has lower than average purchase APRs.

America First Credit Union Visa® Signature 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% .

What are the fees for America First Credit Union Visa® Signature Credit Card?

The following fees apply to America First Credit Union Visa® Signature Credit Card:

America First Credit Union Visa® Signature Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $10
Late Payment Fee	up to $35

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.