Purchase APR
18%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $540
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61
Visa Classic Standard Rate
America First Federal Credit Union
Top-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
14.99–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
28 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
18%
≤619
18%
620–719
18%
720+
16.19%
Lowest offered14.99%
Median18%
Highest offered18%
Cash advance APR
No score
18%
≤619
18%
620–719
18%
720+
16.19%
Lowest offered14.99%
Median—
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee1.5%
Foreign transaction feeCharged (amount not reported)
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: The fee is 5% of the monthly payment up to $32.00 with a minimum of $25.00.
Rewards, benefits and features
Rewards
- Travel-related rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-999-3961
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 18.00%$540
Annual / periodic fees$0
Total yearly cost$540
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 28-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by America First Federal Credit Union in the 2026 Q1 archive.
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