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  America First Credit Union Visa® Signature Credit Card

America First Credit Union Visa® Signature Credit Card

in Personal Credit Cards from America First Credit Union

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America First Credit Union Visa® Signature Credit Card

Unaffiliated

in Personal Credit Cards from America First Credit Union

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Highlights
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

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.

Key Takeaways
  • 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.
America First Credit Union Visa® Signature Credit Card Pros & Cons
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%.
America First Credit Union Visa® Signature Credit Card FAQ

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

Does America First Credit Union Visa® Signature Credit Card have a signup bonus?

America First Credit Union Visa® Signature Credit Card doesn't offer a cash signup bonus.

Does America First Credit Union Visa® Signature Credit Card offer an annual loyalty bonus?

America First Credit Union Visa® Signature Credit Card doesn't offer a cash loyalty bonus.

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% .

Does America First Credit Union Visa® Signature Credit Card have an introductory APR offer on balance transfers?

No, America First Credit Union Visa® Signature Credit Card does not come with an introductory APR offer for balance transfers.

Does America First Credit Union Visa® Signature Credit Card have an introductory APR offer on new purchases?

America First Credit Union Visa® Signature Credit Card does not offer an introductory rate on new purchases.

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 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 a foreign transaction fee.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   455 E 500 S. Ste 100
    Salt Lake City, UT 84111
  •   Visit Site

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

Other Services by America First Credit Union

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View all personal credit cards offered by America First Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Travel
  • Every Purchase
Cash Advance APR (Variable APR) 13.49
Purchase APR (Variable APR) 13.49
Balance Transfer APR (Variable APR) 13.49
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
  • Low Interest
  • Cashback
Card Network Visa

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