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  Arkansas Federal Credit Union Platinum Secure Mastercard®

Arkansas Federal Credit Union Platinum Secure Mastercard®

in Personal Credit Cards from Arkansas Federal Credit Union

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Arkansas Federal Credit Union Platinum Secure Mastercard®

Unaffiliated

in Personal Credit Cards from Arkansas Federal Credit Union

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

Arkansas Federal Credit Union Platinum Secure Mastercard® Review

This is a secured credit card credit card issued by Arkansas Federal Credit Union. If you're wondering whether Arkansas Federal Credit Union Platinum Secure Mastercard® 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
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
Pros & Cons of Arkansas Federal Credit Union Platinum Secure Mastercard®
The Good The Bad
  • To start or rebuild your credit history with no annual fee and great Mastercard® benefits.
  • No annual fee.
  • Access to a concierge.
  • Identity Theft Protection.
  • Arkansas Federal Credit Union Platinum Secure Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • 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.
Arkansas Federal Credit Union Platinum Secure Mastercard® FAQ

Does Arkansas Federal Credit Union Platinum Secure Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

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

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

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

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 higher than average regular APRs.

It has a variable purchase APR starting at 18% . The card has a variable balance transfer APR starting at 18% . It also has a variable cash advance APR starting at 18% .

Does Arkansas Federal Credit Union Platinum Secure Mastercard® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Arkansas Federal Credit Union Platinum Secure 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 Federal Credit Union Platinum Secure Mastercard®?

The following fees apply:

  • There is no overlimit fee
Arkansas Federal Credit Union Platinum Secure 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Arkansas Federal Credit Union Platinum Secure Mastercard® have a foreign transaction fee?

Arkansas Federal Credit Union Platinum Secure Mastercard® charges a foreign transaction fee of 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 Federal Credit Union Platinum Secure Mastercard®?

The Arkansas Federal Credit Union Platinum Secure Mastercard® customer service number is (501) 982-1000.

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

Yes, Arkansas Federal Credit Union Platinum Secure 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 Secure Mastercard®

  • Visit the Arkansas Federal Credit Union Platinum Secure 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.

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

  • Headquarters
  •   2424 Marshall Rd, Jacksonville, AR 72076, United States
    Jacksonville, AR 72078
  • (501) 982-1000
  •   Visit Site

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

Other Services by Arkansas Federal Credit Union

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View all personal credit cards offered by Arkansas 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

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
Cash Advance Fee (%) Starting at 5%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $30
Late Fee Amount Up to $35
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
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 18%
Purchase APR (Variable APR) Starting at 18%
Balance Transfer APR (Variable APR) Starting at 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
  • Bad Credit
Card Network Mastercard

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