America First Credit Union Visa Share Secured Credit Card
- Annual fee
- None
- Recommended credit
- Fair / Poor
- Card network
- Visa
- Regular purchase APR
- 10.5% variable based on the Prime Rate
At a glance
The America First Credit Union Visa Share Secured Card is a quality secured credit card with no annual fee. The card, from America First Credit Union, features an excellent, fixed APR and basic Visa Classic credit card protections.
Our review of the America First Credit Union Visa Share Secured Credit Card
If you’re new to credit or looking to rebuild your credit score, the America First Credit Union Visa Share Secured Card is a fantastic option to consider.
Enjoy an Impressively Low APR
One of the standout features of the America First Share Secured Visa is its low variable APR on purchases. With a current rate of around 10.5%, this is significantly lower than the national average for secured credit cards, which sits at approximately 18%. For individuals with bad credit, the average APR can be as high as 22%, making the America First Secured Card a great choice for those looking to build credit while managing a balance.
Reasonable Refundable Deposit Minimums
Secured credit cards require a refundable security deposit, and the America First Secured Card starts with a minimum deposit of $200. While this minimum deposit is standard for many cards in this category, it provides a manageable entry point for those aiming to improve their credit score.
Other Card Features
While many secured cards lack additional perks, the America First Secured Card offers a competitive APR and no annual fee. Additionally, Visa provides a range of protections typically associated with their Classic products, including Visa Picture Perfect, Lost Luggage Assistance, Roadside Dispatch, Auto Rental Collision Damage Waiver, Cardholder Inquiry Service, Lost or Stolen Card Reporting and Emergency Card Replacement, and Zero Liability.
The card also comes with the Card Guard purchase protection feature, allowing users to control their transactions and enhance security through a smartphone app.
Should You Apply for the America First Credit Union Visa Share Secured Credit Card?
If you’re an America First member with no credit history or poor credit, the America First Credit Union Secured Visa Card offers low minimum deposit requirements, a great APR, and no annual fee. While the card may not offer rewards, this is common among secured cards. The Visa benefits and the added security features from Card Guard make this card a solid choice for those looking to build or rebuild their credit.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Credit limits start from $500
- Low regular rates for purchases
- Travel emergency assistance included
Who this card may suit
- You have bad credit or no credit history
- You're an America First member or live in Utah or select Nevada counties
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 10.5% variable based on the Prime Rate |
| Balance Transfer APR | 10.5% variable based on the Prime Rate |
| Cash Advance APR | 10.5% variable based on 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 |
| Minimum Deposit Required | Up to $500 |
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: Fair Credit Poor Credit.
Apply Now for America First Credit Union Visa Share Secured Credit Card (opens in a new tab)View issuer terms for America First Credit Union Visa Share Secured Credit Card (opens in a new tab)
America First Credit Union Visa Share Secured Credit Card
Apply Now for America First Credit Union Visa Share Secured Credit Card (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
OpenSky® Plus Secured Visa®
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply
- Annual fee
- $0
- Recommended credit
- Fair / Poor / No Credit Required
- Purchase APR
- 29.49% (Variable)
First Progress Platinum Select Mastercard® Secured Credit Card
- Get a First Progress Platinum Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase…
- Annual fee
- $39
- Recommended credit
- Poor / No Credit Required
- Purchase APR
- 18.74% variable based on the Prime Rate
Current Build Card
- Build credit with no minimum deposits and no annual fee
- Up to 4% APY on savings
- Annual fee
- $0.00
- Recommended credit
- Good / Poor / Fair
- Purchase APR
- 0.00%