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Visa Signature
Visa Signature

Visa® Signature Credit Card

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Visa® Signature Credit Card

APPLY TODAY
Visa Signature
Visa Signature
0 Percent Interest Visa
0 Percent Interest Visa

0% Interest for the first six months!

What’s better than a credit card with low interest? How about one with NO interest! For a limited time, when you open a new America First Visa credit card, you’ll enjoy interest-free* payments for the first six months. Click here for details. 

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0% Interest for the first six months!

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0 Percent Interest Visa
0 Percent Interest Visa

What’s better than a credit card with low interest? How about one with NO interest! For a limited time, when you open a new America First Visa credit card, you’ll enjoy interest-free* payments for the first six months. Click here for details. 

visa siganture
visa siganture

Your Unique Signature

A signature is more than just a printed name—it holds a lot of power. Signatures create binding contracts & give documents your personal seal of approval. Similarly, Visa Signature from America First is more than just a credit card. Beyond all the rewards & advantages you'll enjoy, there's a host of special perks and exclusive benefits that come at no extra cost.

Visa Signature offers the financial flexibility of everywhere-in the-world acceptance. Plus, no matter where or when it's used, you'll earn points with every purchase that can be redeemed for cash back or rewards such as gift cards, travel, merchandise, and events.

If you choose to receive an automatic cash rebate, you can decide if you want it to arrive in your account each month, quarter, or year. The more you use this credit card, the more you get. It's that easy with Visa Signature from America First.

Plus, with Visa from America First, you'll always enjoy such benefits as low rates, no annual fees or balance-transfer fees, chip-enabled security, free Card Guard® mobile security, local discounts & identity theft recovery services.

Put your unique signature on your Visa credit card today!

Your Unique Signature

visa siganture
visa siganture

A signature is more than just a printed name—it holds a lot of power. Signatures create binding contracts & give documents your personal seal of approval. Similarly, Visa Signature from America First is more than just a credit card. Beyond all the rewards & advantages you'll enjoy, there's a host of special perks and exclusive benefits that come at no extra cost.

Visa Signature offers the financial flexibility of everywhere-in the-world acceptance. Plus, no matter where or when it's used, you'll earn points with every purchase that can be redeemed for cash back or rewards such as gift cards, travel, merchandise, and events.

If you choose to receive an automatic cash rebate, you can decide if you want it to arrive in your account each month, quarter, or year. The more you use this credit card, the more you get. It's that easy with Visa Signature from America First.

Plus, with Visa from America First, you'll always enjoy such benefits as low rates, no annual fees or balance-transfer fees, chip-enabled security, free Card Guard® mobile security, local discounts & identity theft recovery services.

Put your unique signature on your Visa credit card today!

Visa Signature Benefits

visa
visa
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Rewards

Rewards

visa
visa
security
security
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Security

Security

security
security
card guard
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Card Guard

Protect your purchases and control when, where, and how your Visa® cards are used!

Conveniently housed within mobile banking, Card Guard allows you to manage your America First credit & debit cards on your smartphone. This helpful service gives you the power to limit transactions by geography, set spending amounts, define which merchants can process transactions, receive immediate notifications every time your card is used, and so much more. Plus, if you ever lose your Visa, you can quickly turn it off so no unauthorized purchases can occur, and easily turn it back on when you find your card again.

Download America First mobile banking today—available for both Apple and Android devices.

GET IT NOW!

Card Guard

GET IT NOW!
card guard
sq-mobile-banking

Protect your purchases and control when, where, and how your Visa® cards are used!

Conveniently housed within mobile banking, Card Guard allows you to manage your America First credit & debit cards on your smartphone. This helpful service gives you the power to limit transactions by geography, set spending amounts, define which merchants can process transactions, receive immediate notifications every time your card is used, and so much more. Plus, if you ever lose your Visa, you can quickly turn it off so no unauthorized purchases can occur, and easily turn it back on when you find your card again.

Download America First mobile banking today—available for both Apple and Android devices.

identity theft protection
identity theft protection

Identity Theft Recovery

Members with America First Visa® credit cards automatically have access to our identity theft protection services at no cost which includes:

  • Fully managed identity theft recovery
  • Lost document replacement
  • Three-generation family coverage

You may also purchase additional recovery services to meet your specific needs.

LEARN MORE

Identity Theft Recovery

LEARN MORE
identity theft protection
identity theft protection

Members with America First Visa® credit cards automatically have access to our identity theft protection services at no cost which includes:

  • Fully managed identity theft recovery
  • Lost document replacement
  • Three-generation family coverage

You may also purchase additional recovery services to meet your specific needs.

outgrown credit
outgrown credit

Have you outgrown your available credit?

If you’re a responsible member who regularly pays off a Visa® balance every month, but frequently find the card maxed out, it may be time to increase your credit limit. This will give you more spending flexibility and can help cover big expenses, such as a new vehicle or an extended vacation. Click below to choose a limit that better fits your situation.

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Have you outgrown your available credit?

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outgrown credit
outgrown credit

If you’re a responsible member who regularly pays off a Visa® balance every month, but frequently find the card maxed out, it may be time to increase your credit limit. This will give you more spending flexibility and can help cover big expenses, such as a new vehicle or an extended vacation. Click below to choose a limit that better fits your situation.

OUR PRODUCTS
DETAILS
Rewards Platinum Card
APR* (AS LOW AS)
14.24% Variable
DETAILS
Low Rate Classic Card
APR* (AS LOW AS)
15.24% Variable
DETAILS
Unlimited 1% Cash Back Signature Card
APR* (AS LOW AS)
14.24% Variable
DETAILS
Unlimited 1.5% Cash Back Signature Card
APR* (AS LOW AS)
18.0% Variable
DETAILS
1% Cash Back Classic Card
APR* (AS LOW AS)
18.0% Variable
DETAILS
Rewards Classic Card
APR* (AS LOW AS)
18.0% Variable
DETAILS
Low Rate Platinum Card
APR* (AS LOW AS)
11.74% Variable

* The Annual Percentage Rates (APRs) listed are our best rates. Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. For Business VISA Credit Card information please see Business VISA Credit Card. For Visa Check Card rates please see Line of Credit. Rates and terms are accurate as of Wednesday, January 01, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%.

PRODUCT DETAILS APR* (AS LOW AS)
PLATINUM REWARDS Rewards Platinum Card 14.24% Variable
CLASSIC STANDARD RATE Low Rate Classic Card 15.24% Variable
SIGNATURE 1% CASH BACK Unlimited 1% Cash Back Signature Card 14.24% Variable
SIGNATURE 1.5% CASH BACK Unlimited 1.5% Cash Back Signature Card 18.0% Variable
CLASSIC FLAT 1% CASH BACK 1% Cash Back Classic Card 18.0% Variable
CLASSIC REWARDS Rewards Classic Card 18.0% Variable
PLATINUM LOW RATE Low Rate Platinum Card 11.74% Variable
* The Annual Percentage Rates (APRs) listed are our best rates. Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. For Business VISA Credit Card information please see Business VISA Credit Card. For Visa Check Card rates please see Line of Credit. Rates and terms are accurate as of Wednesday, January 01, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%.
Interest Rates and Interest Charges

Pay your statement balance by the 28th of each month to avoid a finance charge.

Your balance is calculated on the card’s outstanding balances each day of the billing period.

None.

Interest Rates and Interest Charges
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How to Avoid Paying Interest on Purchases
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Pay your statement balance by the 28th of each month to avoid a finance charge.
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Balance Calculation Method
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Your balance is calculated on the card’s outstanding balances each day of the billing period.
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Minimum Finance Charge
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None.

Fees

America First Visa credit cards don't have annual fees.

1.5% of amount of advance.

Up to $32.

$10.

Up to 1% of the US dollar amount of the transaction. 

None. 

Fees
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Annual Fee
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America First Visa credit cards don't have annual fees.
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Cash Advance Fee
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1.5% of amount of advance.
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Late Payment Fee
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Up to $32.
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Return Item Fee
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$10.
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Foreign Transaction Fee
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Up to 1% of the US dollar amount of the transaction. 
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Transaction Fee for Purchases
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None. 

Other Information

Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.

Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

For Credit Card Tips from the Consumer Financial Protection Bureau:To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Visa Credit Card Terms and Agreement

Other Information

Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.

Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

For Credit Card Tips from the Consumer Financial Protection Bureau:To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Visa Credit Card Terms and Agreement

We're Here to Help You

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At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

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