Last Updated: 07/28/2025
Arkansas FCU Platinum Classic Mastercard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.25% - 18%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.25% - 18%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
Arkansas FCU Platinum Classic Mastercard® Review
This is a card issued by Arkansas Federal Credit Union. If you're wondering whether Arkansas FCU Platinum Classic Mastercard® is the right card for you, read on.
Key Takeaways
- APRs: Arkansas FCU Platinum Classic Mastercard® has a variable regular purchase APR that ranges from 10.25% 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.
- A 3% balance transfer fee. Arkansas FCU Platinum Classic Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $0.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
Pros & Cons of Arkansas FCU Platinum Classic Mastercard®
| The Good | The Bad |
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Arkansas FCU Platinum Classic Mastercard® FAQ
Does Arkansas FCU Platinum Classic Mastercard® have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Arkansas FCU Platinum Classic Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Arkansas FCU Platinum Classic Mastercard® has a variable purchase APR that ranges from 10.25% up to 18%. The card has a variable balance transfer APR that ranges from 10.25% up to 18%. It also has a variable cash advance APR that ranges from 10.25% up to 18%.
Does Arkansas FCU Platinum Classic Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Arkansas FCU Platinum Classic Mastercard® 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 Arkansas FCU Platinum Classic Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Arkansas FCU Platinum Classic Mastercard® have a foreign transaction fee?
Arkansas FCU Platinum Classic Mastercard® charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Arkansas FCU Platinum Classic Mastercard®?
The customer service number for Arkansas FCU Platinum Classic Mastercard® is (501) 982-1000.
What is the support contact email for Arkansas FCU Platinum Classic Mastercard®?
The support contact email for Arkansas FCU Platinum Classic Mastercard® is info@afcu.org.
What is the login page for Arkansas FCU Platinum Classic Mastercard®?
You can access the login page of Arkansas FCU Platinum Classic Mastercard® here.
How do people rate the customer service and user experience of Arkansas FCU Platinum Classic Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Arkansas FCU Platinum Classic Mastercard® report your account activity to credit bureaus?
Yes, Arkansas FCU Platinum Classic Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Arkansas Federal Credit Union perform a hard credit pull?
Yes, Arkansas FCU Platinum Classic Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Arkansas FCU Platinum Classic Mastercard®
- Visit the website of Arkansas FCU Platinum Classic Mastercard®.
- 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.
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Contact
Headquarters
2424 Marshall Rd, Jacksonville, AR 72076, United States
Jacksonville, AR 72078
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed