Americas First FCU Platinum Visa Credit Card

Americas First FCU Platinum Visa Credit Card Review

This is a cashback card issued by America's First Federal Credit Union. If you're wondering whether Americas First FCU Platinum Visa Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
• Competitive APRs. Americas First FCU Platinum Visa Credit Card has a variable purchase APR that ranges from 10.8% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.

Pros & Cons of Americas First FCU Platinum Visa Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR on new purchases . There is then a variable purchase APR that ranges from 10.8% up to 18%. No annual fee. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere Americas First FCU Platinum Visa Credit Card is accepted. Americas First FCU Platinum Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not include many credit card benefits.

Americas First FCU Platinum Visa Credit Card FAQ

Does Americas First FCU Platinum Visa Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Americas First FCU Platinum Visa Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Americas First FCU Platinum Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Americas First FCU Platinum 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.

Americas First FCU Platinum Visa Credit Card has a variable purchase APR that ranges from 10.8% up to 18%. The card has a variable balance transfer APR that ranges from 10.8% up to 18%. It also has a variable cash advance APR that ranges from 10.8% up to 18%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Americas First FCU Platinum Visa Credit Card?

The following fees apply:

• There is no overlimit fee

Americas First FCU Platinum Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Returned Payment Fee	up to $27
Late Payment Fee	up to $27

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Americas First FCU Platinum Visa Credit Card report your account activity to credit bureaus?

Yes, Americas First FCU Platinum 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 Americas First FCU Platinum Visa Credit Card

• Visit the Americas First FCU Platinum 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.