Credit Cards

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Cash Back Credit Card from Arkansas Federal Credit Union

2% Cash Back Card

Perfect for those with established credit, this card lets you earn 2% cash back on every dollar spent,² plus enjoy valuable travel benefits.

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Low-Rate Credit Card from Arkansas Federal Credit Union

Everyday Low-Rate Card

Looking for a low-rate card? The Everyday Low-Rate Card offers an APR as low as 9.50% APR As of 02/02/2026, the variable APR ranges from 9.50% to 18.00% and is based on your creditworthiness and market conditions related to the Prime Rate. There is no annual fee; however, late payment fees may reach $40. The foreign transaction fee is 1.00%, and a balance transfer fee of 3.00% of the total amount applies. A cash advance fee of 3.00% per transaction also applies, and 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. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details., making it a smart choice for everyday savings.

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Secured Credit Card from Arkansas Federal Credit Union

Credit Builder Card

Designed for first-time cardholders and those looking to boost their credit. Plus, you’ll benefit from monthly updates to all three major credit bureaus.

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24/7 Card Control

Set Spending Limits
View Cards on File
Report Card Lost/Stolen

Lock & Unlock Your Cards
Manage Card Alerts
Set/Change Your PIN

Go Cashless

Going cashless with a digital wallet and tap-to-pay is super easy and convenient! Just store your payment info on your smartphone and you’re ready to go—tap your device at a contactless terminal to complete your purchase in seconds. Plus, you get perks like tracking your spending and added security.

Frequently Asked Questions

What’s the difference between the credit cards Arkansas Federal offers?

Arkansas Federal offers cards for both individuals and businesses. The Everyday Low-Rate and Business Low-Rate Cards feature some of the lowest interest rates available. The 2% Cash Back and Business 2% Cash Back Cards earn 2% cash back on every purchase, with lower rates than most national cards. We also offer a Secured Credit Card to help build or rebuild credit.

Do the credit cards have any fees?

None of Arkansas Federal’s credit cards charge an annual fee, but you may be charged a late fee if a payment is not made on time. A cash advance fee may also apply when using your credit card to withdraw cash.

How do I decide which credit card is right for me?

Every card comes with different benefits, and every cardholder will want something different out of their card. If you’re looking to earn rewards, the 2% cash back card is a good option, while the secured credit card is a good fit for someone looking to improve their credit score. If you want a basic credit card with an everyday low rate, the low-rate credit card might be best for you. Both the low-rate business card and 2% cash back business card are good fits for those looking for a card specifically for their business.

How can I avoid fees or interest charges?

Pay your full statement balance by the due date each month to avoid interest charges and late fees.

How does a credit card impact my credit score?

Opening a new account can cause a small temporary dip, but maintaining good credit behaviors should help bring it back up. Using your card responsibly by making on-time payments, keeping your balance low relative to your credit limit, and avoiding opening too many accounts at once can have a positive impact on your credit score.

How do I manage my credit card?

You can make payments, view your balance, monitor your credit score and more with 24/7 Digital Banking on the Arkansas Federal app.

How do I apply?

You can apply for any of Arkansas Federal’s credit cards in a few minutes online or by visiting your nearest branch.

Business Credit Cards

Need an easy way to save while streamlining your business expenses? Look no further. Our business credit cards offer two amazing options: cash back or a great everyday low rate.

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