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%.

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 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.