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  Americas First FCU Platinum Visa Credit Card
Americas First FCU Platinum Visa Credit Card Unaffiliated

Americas First FCU Platinum Visa Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 7.8% - 11.8%
Balance Transfer APR  (Variable APR) 7.8% - 11.8%
Credit Score Range N/A
Annual Fee $0

Americas First FCU Platinum Visa Credit Card Review

This is a credit 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

  • Competitive APRs. Americas First FCU Platinum Visa Credit Card has a variable purchase APR that ranges from 7.8% up to 11.8%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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.
  • No annual fee.
  • Identity Theft Protection.
  • Americas First FCU Platinum Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • 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?

No, it does not offer a rewards program.

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 7.8% up to 11.8%. The card has a variable balance transfer APR that ranges from 7.8% up to 11.8%. It also has a variable cash advance APR that ranges from 7.8% up to 11.8%.

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

Does Americas First FCU Platinum 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 FCU Platinum Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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 card.

What is the customer service phone number for Americas First FCU Platinum Visa Credit Card?

The Americas First FCU Platinum Visa Credit Card customer service number is (205) 320-4185.

What is the support contact email for Americas First FCU Platinum Visa Credit Card?

The support contact email for Americas First FCU Platinum Visa Credit Card is memberservices@amfirst.org.

What is the Americas First FCU Platinum Visa Credit Card login page?

You can access the Americas First FCU Platinum Visa Credit Card login page here.

How do people rate the customer service and user experience of Americas First FCU Platinum Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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 credit cards offered by America's First Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) Starting at $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $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
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 7.8% - 11.8%
APR Type Variable APR
Credit Limit Up to $50,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 7.8% - 11.8%
Balance Transfer APR (Variable APR) 7.8% - 11.8%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Visa

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