Arkansas Federal Credit Union Platinum Secure Mastercard®

Arkansas Federal Credit Union Platinum Secure Mastercard® Review

This is a secured credit card 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

• 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.
• 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 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®

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®?

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% .

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

The following fees apply:

• There is no overlimit fee

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® 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.