Arkansas Federal Credit Union Platinum Classic Mastercard® Review

Arkansas Federal Credit Union Platinum Classic Mastercard® is a credit card issued by Arkansas Federal Credit Union. If you're wondering whether Arkansas Federal Credit Union Platinum Classic Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Arkansas Federal Credit Union Platinum Classic Mastercard® has a variable purchase APR that ranges from 6% up to 18%.
• 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.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Access to a concierge. Identity Theft Protection. Arkansas Federal Credit Union Platinum Classic Mastercard® reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Is there a Arkansas Federal Credit Union Platinum Classic Mastercard® cash back or rewards program?

No, Arkansas Federal Credit Union Platinum Classic Mastercard® does not offer a rewards program.

What are the Arkansas Federal Credit Union Platinum Classic Mastercard® benefits?

Arkansas Federal Credit Union Platinum Classic Mastercard® provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Arkansas Federal Credit Union Platinum Classic Mastercard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Arkansas Federal Credit Union Platinum Classic Mastercard® has lower than average purchase APRs.

Arkansas Federal Credit Union Platinum Classic Mastercard® has a variable purchase APR that ranges from 6% up to 18%. The card has a variable balance transfer APR that ranges from 6% up to 18%. It also has a variable cash advance APR that ranges from 6% up to 18%.

What are the fees for Arkansas Federal Credit Union Platinum Classic Mastercard®?

The following fees apply to Arkansas Federal Credit Union Platinum Classic Mastercard®:

• There is no overlimit fee

Arkansas Federal Credit Union Platinum Classic Mastercard® Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $30
Late Payment Fee	up to $35

Does Arkansas Federal Credit Union Platinum Classic Mastercard® report your account activity to credit bureaus?

Yes, Arkansas Federal Credit Union Platinum Classic Mastercard® 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 Arkansas Federal Credit Union Platinum Classic Mastercard®

• Visit the Arkansas Federal Credit Union Platinum Classic Mastercard® 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.