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  America First Credit Union Secured Visa Credit Card

America First Credit Union Secured Visa Credit Card

in Personal Credit Cards from America First Credit Union

Unaffiliated

America First Credit Union Secured Visa Credit Card

Unaffiliated

in Personal Credit Cards from America First Credit Union

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 10.5%
Balance Transfer APR  (Variable APR) 10.5%
Credit Score Range 500 - 850
Annual Fee $0

America First Credit Union Secured Visa Credit Card Review

This is a secured credit card credit card issued by America First Credit Union. If you're wondering whether America First Credit Union Secured Visa 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.

Key Takeaways
  • Competitive APRs. America First Credit Union Secured Visa Credit Card has a variable purchase APR of 10.5%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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.
  • Accepts cosigners. America First Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of America First Credit Union Secured Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • America First Credit Union Secured Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
America First Credit Union Secured Visa Credit Card FAQ

Does America First Credit Union Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the America First Credit Union Secured Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for America First Credit Union Secured Visa 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 10.5%. The card has a variable balance transfer APR of 10.5% . It also has a variable cash advance APR of 10.5% .

Does America First Credit Union Secured Visa 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 Secured Visa 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 Secured Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
America First Credit Union Secured Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit 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 card.

Does America First Credit Union Secured Visa Credit Card have a foreign transaction fee?

America First Credit Union Secured Visa 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 Secured Visa Credit Card?

The America First Credit Union Secured Visa Credit Card customer service number is .

What is the support contact email for America First Credit Union Secured Visa Credit Card?

The support contact email for America First Credit Union Secured Visa Credit Card is support@americafirst.com .

How do people rate the customer service and user experience of America First Credit Union Secured Visa Credit Card?

Overall, America First Credit Union Secured Visa Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

Does America First Credit Union Secured Visa Credit Card report your account activity to credit bureaus?

Yes, America First Credit Union Secured Visa 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 Secured Visa Credit Card

  • Visit the America First Credit Union Secured Visa 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

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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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
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 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 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 10.5%
Balance Computation average daily balance (including new purchases)
Credit Limit $200 - $15,000
Purchase APR (Variable APR) 10.5%
Balance Transfer APR (Variable APR) 10.5%
Card Type
  • Secured
  • Low Interest
  • Bad Credit
Card Network Visa

America First Credit Union Secured Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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