Americas First Federal Credit Union 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 Federal Credit Union Platinum 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.

• Competitive APRs. Americas First Federal Credit Union 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.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Identity Theft Protection. Americas First Federal Credit Union 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.

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

No, it does not offer a rewards program.

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

It 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.

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

The following fees apply:

• There is no overlimit fee

Americas First Federal Credit Union 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.

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

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

• Visit the Americas First Federal Credit Union 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.