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:

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.