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  Secured Visa Credit Card from America First

Secured Visa Credit Card from America First

in Personal Credit Cards from America First Credit Union

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Secured Visa Credit Card from America First

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in Personal Credit Cards from America First Credit Union

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 10.5% - 18%
Balance Transfer APR  (Variable APR) 10.5% - 18%
Credit Score Range 300 - 640

Secured Visa Credit Card from America First Review

Secured Visa Credit Card from America First is a secured credit card credit card issued by America First Credit Union. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300. America First Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

This card has a minimum credit limit of 15000.

If you're wondering whether Secured Visa Credit Card from America First is the right card for you, read on. This is everything you need to know to make a good choice.
Pros & Cons of Secured Visa Credit Card from America First
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Considers applicants with fair or poor credit.
  • Secured Visa Credit Card from America First 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 Secured Visa Credit Card from America First cash back or rewards program?

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

    Secured Visa Credit Card from America First Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

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

    Secured Visa Credit Card from America First provides the following benefits:

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

    What are the relevant APRs for Secured Visa Credit Card from America First?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Secured Visa Credit Card from America First has lower than average purchase APRs.

    Secured Visa Credit Card from America First has a variable purchase APR that ranges from 10.5% up to 18%. The card has a variable balance transfer APR that ranges from 10.5% up to 18%. It also has a variable cash advance APR that ranges from 10.5% up to 18%.

    Does Secured Visa Credit Card from America First have an introductory APR offer?

    No, Secured Visa Credit Card from America First does not come with an introductory APR offer for balance transfers. Secured Visa Credit Card from America First does not offer an introductory rate on new purchases.
    Secured Visa Credit Card from America First Balance Transfers
    Description
    Balance Transfer APR 10.5% - 18%
    Introductory Rate N/A
    Intro APR period (months) N/A
    Secured Visa Credit Card from America First Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 10.5% - 18%
    Credit Limit 15000
    Penalty APR N/A
    Cash Advance APR 10.5% - 18%
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Secured Visa Credit Card from America First fees?

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

    • There is no overlimit fee
    Secured Visa Credit Card from America First Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 1%
    Returned Payment Fee $10
    Late Payment Fee $35

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

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

    Secured Visa Credit Card from America First 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 can help improve your credit score.

    How to apply for Secured Visa Credit Card from America First

    • Visit the Secured Visa Credit Card from America First 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Annual Fee $0
    Minimum Interest Charge $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Foreign Currency Transaction Fee 1%
    Late Fee Amount $35
    Returned Payment Fee $10
    Bank Account Required  
    Co-signing Allowed  
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Bad Credit
    • Low Interest
    • Secured
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Fraud Liability
    • Identity Theft Protection
    • Travel Accident Insurance
    • Travel Assistance
    Emergency Support  
    Fraud Liability  
    Lost Luggage Insurance  
    Travel Insurance  
    Cash Advance APR (Variable APR) 10.5% - 18%
    Purchase APR (Variable APR) 10.5% - 18%
    Balance Computation average daily balance (including new purchases)
    Credit Limit 15000
    Balance Transfer APR (Variable APR) 10.5% - 18%

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