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Credit Cards

Platinum VISA Classic

Apply today to take advantage of one of the lowest everyday credit card rates available. It features an EMV chip for added security and you earn rewards.

  • $0 Annual Fee1
  • No Balance Transfer Fee1
  • No Over Limit Fee1
  • VISA Alerts to help detect fraud
  • $0 Fraud Liability

Call 800-456-3000 to speak to one of our credit card specialists or

 Apply Now

To activate your new Arkansas Federal Credit Card, call 800-527-7728.

Forgot your PIN? With your EMV-enabled chip card, simply call 888-886-0083 to select a new PIN. If you don't have an EMV-enabled chip card, call us or stop by your local branch and a new PIN can be mailed to you.

1No annual fee, no balance transfer fee, and no over the limit fee. Cash Advance fee = 5% per transaction. Overdraft transfer fee = $3 per transfer. Late payment fee up to $35. Interest on cash advances and overdraft transfers will be charged at the member's standard APR on the balance from the date of transaction. As of 4-2-18, the standard variable APR is 7.40%-18.00%. Offer subject to change without notice and may end at any time. All loans subject to approval and restriction may apply. APR = Annual Percentage Rate.

Visa Signature

If the holidays busted your budget, now is the time to consolidate your debt and start saving money. Apply today to get 0% APR for 18 months1 on purchases and balance transfers with the Arkansas Federal Visa Signature Credit Card. You not only get a great introductory rate, you also get everything you would expect from a Visa Signature Card:

  • $0 Annual Fee2
  • Rewards redeemable for 1.5% cash back2
  • VISA Alerts to help detect fraud
  • No foreign transaction fee
  • $0 Fraud Liability
  • Personal identity theft protection
  • Travel perks including: Lost Luggage, Trip Delay, Trip Cancellation, & Hotel Theft

VISA Signature cardholders enjoy Concierge Services:

  • Tickets to top sports and entertainment events
  • Dinner reservations
  • Travel reservations

Your concierge is here to help 24/7 at 800-953-7392 or click here.

Call 800-456-3000 to speak to one of our credit card specialists or 

Apply Now

To activate your new Arkansas Federal Credit Card, call 800-527-7728.

Forgot your PIN? With your EMV-enabled chip card, simply call 888-886-0083 to select a new PIN. If you don't have an EMV-enabled chip card, call us or stop by your local branch and a new PIN can be mailed to you.

1APR = Annual Percentage Rate. 0% APR is applicable to purchases and balance transfers completed during the first 90 days from account opening. Purchases and Balance Transfers made during this time period will remain at the special periodic rate of 0% APR for 18 monthly statement cycles from account opening. After the promotional period any unpaid balances are subject to the corresponding variable APR as stated in the Credit Card Agreement. Any purchases or balance transfers made after the initial 90 days are subject to the corresponding variable APR as stated in the Credit Card Agreement. As of 4-2-18, the standard variable APR is 12.39% - 18.00%. Balance transfers are subject to a transaction fee of 3% of total transaction amount. Cash advance fee = 5% of total transaction amount. Overdraft transfer fee = $3 per transfer. Late payment fee up to $35. Interest on cash advances and overdraft transfers will be charged at the 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 approval and restrictions may apply. 2Earn 1 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. Membership with Arkansas Federal Credit Union is required for this offer. Offer subject to change without notice and may end at any time. All loans subject to approval and restriction may apply. Offer is only valid for outstanding balances not currently financed through Arkansas Federal Credit Union.

Visa Business Credit Card

The Arkansas Federal Visa Business Credit Card allows your business the flexibility of a revolving line of credit.

  • Rates as low as 9.75%1
  • $0 Balance Transfer Fee
  • $0 Annual Fee
  • $0 Visa Fraud Liability
  • Free Transaction Alerts

Apply Now

1APR = Annual Percentage Rate. No annual fee and no balance transfer fee. Cash Advance fee = 5% per transaction. Overdraft transfer fee = $3 per transfer. Foreign transaction fee = 1%. Late payment fee up to $35. Interest on cash advances and overdraft transfers will be charged at the business member's standard APR on the balance from the date of transaction. As of 4-2-18, the standard variable APR is 9.75%-18.00%. Offer subject to change without notice and may end at any time. Subject to credit approval.

EMV Credit & Debit Cards

An EMV-enabled card is the global standard for cards equipped with computer chips, which help secure debit cards against fraud. Along with the enhanced security and convenience of the EMV Chip, all of our cards have been redesigned. Current debit and credit cards with a magnetic stripe on the back will continue to work through this transition period. As new EMV cards are activated, the magnetic stripe on the current cards members carry will be deactivated. The new EMV cards will have both an EMV chip and a magnetic stripe.

The new cards will be reissued as they expire. Cards reissued as they expire will keep the same card number. Members who wish to receive a new EMV chip card before their current card expires can call or visit their local branch to request a new card. The un-expired requested cards will have a new card number. It will take up to two weeks for a member to receive the requested card.

Below are the benefits and steps for using these cards:

  • Embedded microchip allows for more secure transactions
  • Use at both chip enabled and traditional merchant terminals
  • Accepted in 130+ countries, making traveling internationally hassle free
  • Covered by $0 fraud liability, protecting you against unauthorized purchases