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52

Platinum Classic

Arkansas Federal Credit Union

NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
9.50–18%
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 · 5 filed docs

Detected in the CFPB-filed cardholder agreements from Arkansas 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
18%
620–719
16.04%
720+
10.99%
Lowest offered9.50%
Median16.04%
Highest offered18%

Cash advance APR

No score
—
≤619
18%
620–719
16.04%
720+
10.99%
Lowest offered9.50%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer fee3%
Cash advance fee3%
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$29
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
NSF Fee$25
Card replacement fee$10
Skip Pay fee$35
Rush Fee$35

Rewards, benefits and features

Rewards

None reported

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

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 16.04%$481.20
Annual / periodic fees$0
Total yearly cost$481.20

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

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

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