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

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. 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.

  • Competitive APRs. Secured Visa Credit Card from America First has a variable purchase APR of up to 18%.
  • 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, travel accident insurance, travel assistance, and fraud protection.
  • Poor credit. 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.
  • Considers applicants with fair or poor credit.
  • Secured Visa Credit Card from America First reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • 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.

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 on balance transfers??

No, Secured Visa Credit Card from America First does not come with an introductory APR offer for balance transfers.

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

Secured Visa Credit Card from America First does not offer an introductory rate on new purchases.

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 up to $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

No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee $10
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 300 - 640
Card Type
  • Bad Credit
  • Low Interest
  • Secured
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Cash Advance APR (Variable APR) 10.5% - 18%
Balance Computation average daily balance (including new purchases)
Credit Limit $15,000
Purchase APR (Variable APR) 10.5% - 18%
Balance Transfer APR (Variable APR) 10.5% - 18%

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