Secured by Symantec
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.
Compare Our Credit Card Rates
Choose Your Card
| Everyday Low Rate | 2% Cash Back for All Purchases, through 2020!3 |
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| Platinum Classic Mastercard® |
World Mastercard® |
Platinum Secure Mastercard® |
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| Best if you want: |
To get one of the best everyday credit card rates available, as low as 6% APR1,2.
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To earn rewards and take advantage of premium travel benefits. Receive 2% CASH BACK for every $1 you spend—through 2020!3
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To start or rebuild your credit history with no annual fee1,6 and great Mastercard® benefits.
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| Fees |
No annual fee, no balance transfer fee, no over limit fee1,2
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No annual fee, no over limit fee1,4
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No annual fee, no balance transfer fee, no over limit fee1,6
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| uChoose Rewards |
Earn 2 points for every $1 spent on purchases3,5
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| Mastercard® Global ServiceTM | |||
| Mastercard® Priceless® Cities | |||
| Mastercard® Airport ConciergeTM | |||
| $0 Liability | |||
| Identity Theft Resolution Services | |||
| Lost or Damaged Luggage | |||
| Cell Phone Protection | |||
| Card Defend | |||
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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.
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
Take the Next Step
Apply in Person
Find a branch near youSpeak with a specialist
Call (800) 456-3000Activate your card
Call (855) 343-3822Forgot 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 = 5.00% per transaction. Late payment fee up to $35. Interest on cash advances will be charged by the member's standard APR on the balance from the date of transaction. 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. As of 4/2/2020, the standard variable APR for the Platinum Classic Mastercard is 6.00% - 18.00%. This rate is variable and subject to change. Full Credit Card Account Agreement and Disclosures.
2. Foreign transaction fee = 1.00%. As of 4/2/20, the standard variable APR for the Platinum Classic Mastercard is 6.00% - 18.00%. This rate is variable and subject to change.
3. 2.00% CASH BACK offers covers all purchases made from 10/1/2019 through 12/31/20.
4. Balance transfers are subject to transaction fee of 3.00% of total transaction amount. No annual fee. As of 4/2/20, the standard variable APR for the World Mastercard is 10.99%-18.00%. This rate is variable and subject to change.
5. Earn 2 points for every $1 spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash Advances and Balance Transfers do not earn points.
6. Foreign transaction fee = 1.00%. As of 4/2/20, the standard variable APR for the Platinum Secure Mastercard is 18.00%.
7. APY is Annual Percentage Yield. Rewards Plus Checking is a tiered variable rate product. To qualify for the 1.30% Rewards Plus checking account, members are required to complete 10 monthly transactions of at least $1 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. 1.30% APY currently applies to balances of $0 - $15,000. Balances of $15,000.01 - $25,000.00 earn 0.75% APY. Balances of $25,000.01 and more earn 0.05% APY. Fees could reduce earnings. Earn 1 point for every $2 spent through your Arkansas Federal debit card. A monthly fee of $12.50 applies if daily balance drops below $2,500. Offer and rates subject to change. Certain exclusions may apply.