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.

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 300.

Accepts cosigners. 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.

Credit limit. This card has a credit limit of up to 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.

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
• 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?

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%.

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

No Annual Fee. Secured Visa Credit Card from America First does not charge an annual fee.

1% Foreign transaction fees. 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.

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

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 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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Secured Visa Credit Card from America First

• Visit the America First Credit Union website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.