As low as 4.75%
APR6
on all balance transfers for life with our Platinum Classic Mastercard®.

Routing Number: 282075028

Credit Cards

The Perks You Want, the Security You Need

$0 Annual Fee

All of our cards come with a $0 annual fee. Plus, enjoy $0 balance transfer fees with our Platinum Classic and Platinum Secure Mastercards®, and no over limit fee with our World Mastercard®.1

Peace of Mind

With $0 liability and identity theft resolution services, you pay only for purchases that you authorize.

Card Defend

Card Defend allows you to turn your cards on and off on the go through the app. Set alerts, restrictions, reminders and more - all on the go

Choose Your Card

Balance Transfer Special 2% Cash Back
for All Purchases, through 2020!8
  Platinum Secure
Mastercard®
Platinum Classic
Mastercard®
World
Mastercard®
  Platinum Secure Mastercard® Platinum Classic Mastercard® World Mastercard®
Best if you want:
To start or rebuild your credit history with no annual fee1,2 and great Mastercard® benefits.
To get one of the best everyday credit card rates available, as low as 8.00% APR1,3. Balance Transfer Rate as low as 4.75% APR for the life of balance transfer.6
To earn rewards and take advantage of premium travel benefits. Receive 2% CASH BACK for every $1 you spend—through 2020!8
Fees
No annual fee, no balance transfer fee, no over limit fee1,2
No annual fee, no balance transfer fee, no over limit fee1,3
No annual fee, no over limit fee1,4
Rewards
Earn 1.5 points for every $1 spent on purchases5
Mastercard® Global ServiceTM
Mastercard® Priceless® Cities
Mastercard® Airport ConciergeTM
$0 Liability
Identity Theft Resolution Services
Lost or Damaged Luggage
Cell Phone Protection
Card Defend
  Not a Member?Join & Apply Now Already a Member?Apply Now
See a complete
guide to benefits
Not a Member?Join & Apply Now Already a Member?Apply Now
See a complete
guide to benefits
Not a Member?Join & Apply Now Already a Member?Apply Now
See a complete
guide to benefits

PLUS make purchases with People ePay, Apple Pay, Google Pay, or Samsung Pay.

People ePay logo
Apple Pay logo
Google Pay logo
Samsung Pay logo

When you add People ePay, Apple Pay, Google Pay or Samsung Pay to your credit or debit card, you not only save time at checkout, your payments are safer. Click on each provider logo above for information regarding setup, use and number of cards you can load in each mobile wallet.


Related Products & Services

Personal Signature Loans

  • Flexible terms, fixed rate.
    Your money to spend
    as you wish!
Apply for a Personal Loan

Rewards Plus Checking

  • Get up to 2.30% APY7
    and earn rewards with
    Rewards Plus Checking.
Open an Account

Business Mastercard®

  • Go platinum, and access
    a revolving line of credit
    for your business.
Apply Today

Take the Next Step

Apply in Person

Find a branch near you

Speak with a specialist

Call (800) 456-3000

Activate your card

Call (855) 343-3822

Forgot your PIN? Platinum Secure and Classic cardholders call (855) 343-3822 and World cardholders call (855) 519-9523 to select a new PIN.


Disclosures:

1. APR = Annual Percentage Rate. No annual fee and no balance transfer fee. Cash Advance fee = 5% per transaction. Late payment fee up to $35. Interest on cash advances will be charged at the member's standard APR on the balance from the date of transaction. As of 8-2-19, the standard variable APR is 18.00%. Offer subject to change without notice and may end at any time. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures

2. Foreign transaction fee = 1%. As of 8-2-19, the standard variable APR for the Platinum Secure MasterCard is 18.00%.

3. Foreign transaction fee = 1%. As of 8-2-19, the standard variable APR for the Platinum Classic MasterCard is 8.00%-18.00%.

4. Balance transfers are subject to a transaction fee of 3% of total transaction amount. No annual fee. As of 8-2-19, the standard variable APR for the World MasterCard is 12.99% - 18.00%.

5. Earn 1.5 point for every $1 spent on purchases. Points may be redeemed for cash back equal to 1.5%. Cash Advances and Balance Transfers do not earn points.

6. APR = Annual Percentage Rate. Limited time offer for the Platinum Classic MasterCard - 4.75%-9.75% APR applicable to qualified borrowers for balance transfers completed during 7/1/19 to 10/31/19. Balance Transfers made during this time period will remain at the special periodic rate of 4.75%-9.75% APR and will continue for the life of the balance transfer. After the promotional period (7/1/19 to 10/31/19) any new balance transfers are subject to the corresponding variable APR as stated in the Credit Card Agreement.

7. APY = Annual Percentage Yield. Rewards Plus Checking is a tiered variable rate product. To qualify for the 2.30% APY Rewards Plus checking account, members are required to complete 10 monthly transactions of at least $1.00 each, defined as: ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Members who currently have a Rewards Plus checking account that is inactive can qualify for the offer by meeting the same criteria. 2.30% APY currently applies to balances of $0 - $24,999.99. Balances $25,000.00 and more earn 0.25% APY. Fees could reduce earnings. Earn 1 point for every $2.00 spent through your Arkansas Federal debit card. A monthly fee of $12.50 applies if daily balance drops below $2,500.00. Offer and rates subject to change. Certain exclusions may apply. Federally Insured by NCUA. Rates as of 8-2-19.

8. 2% Cash back offer covers all purchases made from October 1, 2019 through December 31, 2020.