Earn dividends or cash back
2% Cash Back
Credit Card
Earn 2% cash back with every $1 spent.APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limit or category restrictions.APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
Plus, there’s no annual fee and comes with access to My Cards, Authorized User, and other built-in Mastercard® benefits.
Interest Rates & Fees Summary
| Interest Rate | Annual Fee | Balance Transfer Fee |
|---|---|---|
| As low as 15.74% APRAPR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures. | $0 | 3%APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures. |
Benefits & Features
uChoose Rewards
Earn 2 points for every dollar spentEarn 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. and redeem through uChoose Rewards.
$0 Annual Fee
Delight in no annual fees or minimum finance charges. Hooray!
$0 Fraud Liability
You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See www.mastercard.us/zero-liability for details.
Tap to Pay (Contactless)
Pay in seconds with a tap of your card at a contactless-enabled terminal.
Digital Banking
Enjoy convenient, secure 24/7 access to your accounts right from your computer, tablet, or smartphone. Control your card 24/7, monitor your credit score with Credit IQ, pay bills, send secure messages, make digital payments, and so much more.
Digital Wallet
Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.
Authorized User
Share the convenience of your card with another authorized user. When you give them access to your account, they get their own personal card and can enjoy the same perks you do.
Identity Theft Resolution Services
Should you become the victim of Identity Theft, Mastercard will assist you with credit bureau notification and debit card replacement and provide you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.
Redeem Cash Back
To redeem your points for cash back, gift cards, travel, and more, visit uChoose Rewards.
Go Cashless
When you add 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 the logos below for information on how to get started.
