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

Overview

Who is this credit card designed for?

Secured Visa Credit Card from America First is a secured credit card credit card issued by America First Credit Union, which is based in Salt Lake City, UT.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

Secured Visa Credit Card from America First is designed for people with a credit score of 300 to 640. It's perfect for consumers looking for a card without an annual fee.

This card has a credit limit of $15000. 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.

What are the relevant 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%.

Is an introductory APR offer available?

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.

What are the fees?

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

  • There is no annual fee.
  • A late payment penalty of up to $35.
  • Secured Visa Credit Card from America First does not charge a returned payment fee.
  • There is no overlimit fee
  • A foreign transaction fee of 1%. Transactions in a foreign currency get hit with a 1% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $10.

Is a rewards program offered?

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

Is a signup bonus offered?

Secured Visa Credit Card from America First doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Secured Visa Credit Card from America First doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 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
  • 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.

    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

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