America First Credit Union Secured Visa Credit Card
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| Community Rating |
Rating not yet determined |
| 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 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.
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.
- 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 relatively good approval odds.
Pros & Cons of America First Credit Union Secured Visa Credit Card
| The Good | The Bad |
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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. This card has lower than average regular 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% .
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
| 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 (800) 999-3961.
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 .
What is the America First Credit Union Secured Visa Credit Card login page?
You can access the America First Credit Union Secured Visa Credit Card login page here.
How do people rate the customer service and user experience of America First Credit Union Secured Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
455 E 500 S. Ste 100
Salt Lake City, UT 84111 USA - (800) 999-3961
- Visit Site
- Email Support
Other Services by America First Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee (%) | 1.5% |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $10 |
| Late Fee Amount | Up to $35 |
America First Credit Union Secured Visa Credit Card Community Reviews
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