America First Credit Union Visa Classic Credit Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Regular purchase APR
- 15.74% to 18% variable based on creditworthiness and the Prime Rate
At a glance
The America First Credit Union Visa Classic Credit Card is a no-nonsense selection of three credit cards that offer great low interest rates, basic rewards, and no annual fee.
Our review of the America First Credit Union Visa Classic Credit Card
If you’re looking for a credit card with great interest rates and essential rewards, the America First Credit Union Visa Classic range might be the perfect fit for you. With no annual fee and Visa Classic protections, these cards offer a solid option for those with excellent credit.
Three Card Types
The America First Credit Union Visa Classic comes in three unique varieties:
1. Low Rate Card: This card offers a low APR every day, making it a great option for those who prioritize a great rate over rewards. With credit limits of up to $5,000, this card is a solid choice for responsible cardholders.
2. Cash Back Card: Earn unlimited 1% cash back on all eligible purchases with this rewards card. With a competitive APR and the option to deposit cash back rewards into your America First savings or checking account, this card is a great choice for those who enjoy earning rewards on their spending.
3. Rewards Card: Similar to the Cash Back Card, the Rewards Card offers points instead of cash back. With the ability to redeem points for a variety of options, including cash back, merchandise, and travel, this card is a versatile choice for those who value flexibility in their rewards.
Visa Classic Benefits
The Visa Classic range of cards offers a variety of benefits, including:
- Roadside Dispatch: 24/7 towing and roadside assistance program.
- Auto Rental Collision Damage Waiver: Receive collision and theft coverage when using Visa to pay for a car rental.
- Cardholder Inquiry Service: Access to Visa customer service representatives 24/7.
- Lost or Stolen Card Reporting and Emergency Card Replacement: Visa will block stolen cards and assist with getting a replacement card or emergency cash disbursement.
Should You Apply?
Overall, the America First Credit Union Visa Classic Credit Card range provides a mix of great interest rates and essential rewards. With competitive APRs and solid benefits, these cards are a good option for those with excellent credit who prioritize a low rate over flashy rewards.
If you prefer a great rate and don’t mind forgoing introductory offers or bonuses, the America First Credit Union Visa Classic Low Rate Card could be a perfect fit for you. With rates significantly lower than the national average, this card offers a solid option for responsible cardholders looking to save on interest charges.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Personalize your card design with Picture Perfect
- Choose the card that's right for you: Select between a low-rate or cash back option
- No annual fee
- Travel emergency assistance included
Who this card may suit
- You prefer a low rate over great rewards
- You want basic cash back and a competitive APR
- You plan to carry a balance
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 15.74% to 18% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 15.74% to 18% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 15.74% to 18% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | 1.5% of the amount of each cash advance |
| Foreign Transaction Fee | Up to 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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America First Credit Union Visa Classic Credit Card
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