Last Updated: 07/28/2025
Arkansas Federal Credit Union Platinum Secure Mastercard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 18%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
Arkansas Federal Credit Union Platinum Secure Mastercard® Review
This is a secured 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.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 3% balance transfer fee. Arkansas Federal Credit Union Platinum Secure 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Pros & Cons of Arkansas Federal Credit Union Platinum Secure Mastercard®
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Arkansas Federal Credit Union Platinum Secure Mastercard® 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®?
| 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 Federal Credit Union Platinum Secure Mastercard® have a foreign transaction fee?
Arkansas Federal Credit Union Platinum Secure 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 Federal Credit Union Platinum Secure Mastercard®?
The customer service number for Arkansas Federal Credit Union Platinum Secure Mastercard® is (501) 982-1000.
What is the support contact email for Arkansas Federal Credit Union Platinum Secure Mastercard®?
The support contact email for Arkansas Federal Credit Union Platinum Secure Mastercard® is info@afcu.org.
What is the login page for Arkansas Federal Credit Union Platinum Secure Mastercard®?
You can access the login page of Arkansas Federal Credit Union Platinum Secure Mastercard® here.
How do people rate the customer service and user experience of Arkansas Federal Credit Union Platinum Secure Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Arkansas Federal Credit Union Platinum Secure Mastercard® report your account activity to credit bureaus?
Yes, Arkansas Federal Credit Union Platinum Secure 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 Federal Credit Union Platinum Secure 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 Federal Credit Union Platinum Secure Mastercard®
- Visit the website of Arkansas Federal Credit Union Platinum Secure 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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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
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