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ABFCU Classic Credit cards

Arkansas Best Federal Credit Union

NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
10–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Contract X-Ray — what's buried in the fine print

0 red flags · 4 filed docs

Detected in the CFPB-filed cardholder agreements from Arkansas Best Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
16.50%
620–719
14.50%
720+
10%
Lowest offered10%
Median11.50%
Highest offered18%

Cash advance APR

No score
—
≤619
16.50%
620–719
14.50%
720+
10%
Lowest offered10%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Additional fees
Return payment$25

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone4796492060
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 11.50%$345
Annual / periodic fees$0
Total yearly cost$345

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

4 documents filed by Arkansas Best Federal Credit Union in the 2026 Q1 archive.

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