Cash Back & Rewards Credit Card

Save with a low rate and no annual fee.
Customer Service is Spectacular
I enjoy being a member of Arkansas Federal because they are always helpful when I need something. I have had a positive experience working with Arkansas Federal because its customer service is spectacular.
Chloe Cox

Keep more money in your pocket with no annual fee and no over-limit fee.APR is the Annual Percentage Rate. World Mastercard. No annual fee. Balance transfer and cash advance fees are subject to transaction fee of 3.00% of total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 3/02/2023, the standard variable rate is 15.49%– 18.00%. 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.

Your Mastercard® comes with amazing, built-in travel benefits. Get a snapshot of your current benefits and download the full guide below!

More Great Benefits

Online & Mobile Banking
Managing your card from your computer or mobile device has never been easier! Pay your credit card bill online, check available credit, and more.

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 provides you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.

Mastercard® Global ServiceTM
Receive around-the-clock customer service assistance with lost or stolen card reporting, emergency card replacement, as well as assistance with locating ATMs and other card-related questions.

Mastercard® Priceless® Cities
Provides access to unforgettable experiences in the cities where you live and travel, such as access to special events, restaurants, museums, and tours.Certain restrictions apply. For details, see the Guide to Benefits.

Mastercard® Airport ConciergeTM
Arrange for a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival, or any connecting flights.Certain restrictions apply. For details, see the Guide to Benefits.

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.

Security & Benefits

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$0 Liability

You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See for details.

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Card Defend

With the touch of a button, decide when, where, and how your credit card is used

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Digital Wallet

Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.

Hear From Our Happy Members

Makes banking easy

Arkansas Federal makes banking easy. It always handles just what I need right on the spot.

Erica and Jason Ives
Affordable Personal Loan Payments

I really love how everyone is so friendly and willing to help with my banking needs. I am very thankful I listened and chose Arkansas Federal for all my banking needs.

Valerie Pickens
Fast and Easy Process

I must say I was pleasantly surprised at just how fast and easy the process played out. I submitted the documents needed and in no time, we were approved and ready to make an offer on a house.

Aaron Bunch

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