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  Americas First Federal Credit Union Platinum Plus Visa® Credit Card

Americas First Federal Credit Union Platinum Plus Visa® Credit Card

in Personal Credit Cards from America's First Federal Credit Union

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Americas First Federal Credit Union Platinum Plus Visa® Credit Card

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in Personal Credit Cards from America's First Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 10.8% - 18%
Balance Transfer APR  (Variable APR) 10.8% - 18%
Credit Score Range N/A
Annual Fee $0

Americas First Federal Credit Union Platinum Plus Visa® Credit Card Review

This is a cashback credit card issued by America's First Federal Credit Union. If you're wondering whether Americas First Federal Credit Union Platinum Plus Visa® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
  • Competitive APRs. Americas First Federal Credit Union Platinum Plus 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 purchases, but you don't have to pay an annual fee for the privilege.
Pros & Cons of Americas First Federal Credit Union Platinum Plus Visa® Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases .
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Americas First Federal Credit Union Platinum Plus Visa® Credit Card is accepted.
  • Americas First Federal Credit Union Platinum Plus Visa® Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Americas First Federal Credit Union Platinum Plus Visa® Credit Card FAQ

Does Americas First Federal Credit Union Platinum Plus 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 Federal Credit Union Platinum Plus Visa® Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Americas First Federal Credit Union Platinum Plus Visa® Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Americas First Federal Credit Union Platinum Plus Visa® Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Americas First Federal Credit Union Platinum Plus 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 Federal Credit Union Platinum Plus 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. It has lower than average regular APRs.

It 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.

Does Americas First Federal Credit Union Platinum Plus 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 Americas First Federal Credit Union Platinum Plus Visa® Credit Card have an intro APR offer on new purchases?

Americas First Federal Credit Union Platinum Plus Visa® Credit Card Purchase Intro Offer
Description
Introductory Rate 0%

This card does offer an intro APR rate of 0% on qualified purchases

What are the fees for Americas First Federal Credit Union Platinum Plus Visa® Credit Card?

The following fees apply:

  • There is no overlimit fee
Americas First Federal Credit Union Platinum Plus 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.

What is the customer service phone number for Americas First Federal Credit Union Platinum Plus Visa® Credit Card?

The Americas First Federal Credit Union Platinum Plus Visa® Credit Card customer service number is (205) 320-4185.

What is the support contact email for Americas First Federal Credit Union Platinum Plus Visa® Credit Card?

The support contact email for Americas First Federal Credit Union Platinum Plus Visa® Credit Card is memberservices@amfirst.org.

Does Americas First Federal Credit Union Platinum Plus Visa® Credit Card report your account activity to credit bureaus?

Yes, Americas First Federal Credit Union Platinum Plus 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 Federal Credit Union Platinum Plus Visa® Credit Card

  • Visit the Americas First Federal Credit Union Platinum Plus 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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by America's First Federal Credit Union

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View all personal credit cards offered by America's First Federal Credit Union

Availability

  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

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) Starting at $0
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $27
Late Fee Amount Up to $27
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 10.8% - 18%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 10.8% - 18%
Balance Transfer APR (Variable APR) 10.8% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
  • Cashback
Card Network Visa

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