Purchase APR
11.50%
Annual fee
None
Foreign fee
None
≤619620–719Other
Carrying $3k for a year ≈ $345
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58
ABFCU Classic Credit cards
Arkansas Best Federal Credit Union
NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
10–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
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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Foreign fee
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