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Credit Cards

Already enjoy an Arkansas Federal credit card? With the holidays just around the corner, we know money can be tight. That's why Arkansas Federal is rewarding its credit card holders with a $0 cash advance fee for the month of November. That's a savings of 5%! To take advantage of the offer, simply call, visit a branch or stop by an ATM to withdraw the cash. 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.

*$0 Cash Advance fee only good on advances made November 1, 2017 - November 30, 2017. Cash Advances will be charged interest on the balance from the date of transaction. Currently the standard variable APR is 7.00%-18.00%. Offer subject to change without notice and may end at any time.

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 Fee 2
  • No Balance Transfer Fee
  • No Over Limit Fee
  • VISA Alerts to help detect fraud
  • $0 Fraud Liability

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

 Apply Online Now

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

1APR = Annual Percentage Rate. 2.99% APR is applicable to purchases completed by December 31, 2017. Purchases made during this time period will remain at the special periodic rate of 2.99% APR through the January 2019 statement cycle. Any purchases made before November 1, 2017 and after December 31, 2017 will remain at the corresponding variable APR as stated in the loan disclosures. The current standard variable APR is 7.00% - 18.00%. Offer subject to change without notice and may end at any time. All loans subject to approval and restriction may apply.

2 No 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. Currently the standard variable APR is 7.00%-18.00%. Offer subject to change without notice and may end at any time. APR = Annual Percentage Rate. Subject to credit approval.

Visa Signature

Our VISA Signature Credit Card is perfect for those who want to get the most out of life. It features an EMV chip for added security and you earn rewards.

  • $0 Annual Fee2
  • Rewards redeemable for 1.5% cash back
  • 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 Online Now

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

1APR = Annual Percentage Rate. 2.99% APR is applicable to purchases completed by December 31, 2017. Purchases made during this time period will remain at the special periodic rate of 2.99% APR through the January 2019 statement cycle. Any purchases made before November 1, 2017 and after December 31, 2017 will remain at the corresponding variable APR as stated in the loan disclosures. The current standard variable APR is 11.99% - 18.00%. Offer subject to change without notice and may end at any time. All loans subject to approval and restriction may apply.

2APR = Annual Percentage Rate. 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. Currently the standard variable APR is 11.99% - 18.00%. Offer subject to change without notice and may end at any time.

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 9.25%
  • $0 Balance Transfer Fee
  • $0 Annual Fee
  • $0 Visa Fraud Liability
  • Free Transaction Alerts

Apply Online Now

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