America First Credit Union Secured Visa Credit Card Review

America First Credit Union Secured Visa Credit Card 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 is everything you need to know to make a good choice.

• 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 qualify.

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.

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

No, America First Credit Union Secured Visa Credit Card does not offer a rewards program.

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

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

America First Credit Union Secured Visa Credit Card 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% .

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

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

• 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

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.