America First Credit Union Visa Signature Cash Back Credit Card
- Annual fee
- $0 to $50
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 14.74% to 18% variable based on creditworthiness and the Prime Rate
At a glance
The America First Visa Signature Cash Back Credit Card is a decent cash back credit card that fails to excite. From leading credit union America First CU, the card offers unlimited 1% to 1.5% cash back, a competitive APR, and no annual fee.
Our review of the America First Credit Union Visa Signature Cash Back Credit Card
Looking for a credit card that offers impressive cash back rewards without an annual fee? The AmTrust 2% Cash Back Visa® Card might be the perfect choice for you
How to Earn Rewards
With the AmTrust 2% Cash Back Visa®, cardholders can earn 2% back on all purchases, which can also be accrued as points at the same rate (2X on all purchases). There is no cap on the total number of points you can earn with this card. This makes it a strong competitor to the Citi® Double Cash Card – 18 month BT offer, which also offers 2% back on purchases.
How to Redeem Rewards
Points earned with the AmTrust 2% Cash Back Visa® Card can be redeemed through the BucksBack Rewards Program, which is the default reward plan for all First Bankcard products. The cash value of points is $0.10 per point, and cash back rewards are claimable in 2,500-point increments. Redemption options include statement credits, ACH electronic deposits to AmTrust or external accounts, or a mailed check.
Other Card Features
In addition to cash back rewards, AmTrust cardholders can enjoy benefits such as Zero Fraud Liability coverage, emergency card replacement, emergency cash disbursement, and Auto Rental Collision Damage Waivers when traveling.
Should You Apply?
If you’re looking for a credit card that offers substantial cash back rewards without the hassle of larger issuers, the AmTrust 2% Cash Back Visa® Card is worth considering. While it may not offer a 0% intro APR on balance transfers like some other cards, it does provide the unique feature of allowing rewards to be sent to external bank accounts via ACH payments.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn between 1% and 1.5% cash back on every purchase
- Redeem points for merchandise or travel
- Visa Signature offers the ability to use this card anywhere in the world where Visa is accepted
- No annual fee or balance transfer fees
Who this card may suit
- You're currently a member of America First Credit Union or are eligible to join
- You want a basic, flat-rate cash back credit card
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | $0 to $50 |
|---|---|
| Regular Purchase APR | 14.74% to 18% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 14.74% to 18%variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 14.74% 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 |
| Return Payment Penalty Fee | $10 |
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: Excellent Credit Good Credit.
Apply Now for America First Credit Union Visa Signature Cash Back Credit Card (opens in a new tab)View issuer terms for America First Credit Union Visa Signature Cash Back Credit Card (opens in a new tab)
America First Credit Union Visa Signature Cash Back Credit Card
Apply Now for America First Credit Union Visa Signature Cash Back Credit Card (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Chase Freedom Unlimited®
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth…
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards…
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from account opening date
Discover it® Chrome Gas & Restaurants
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from date of account opening
Blue Cash Preferred® Card from American Express
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Annual fee
- $0 for the first year. Then $95
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 12 months from account opening date