Understanding Credit Card Rates
Arkansas Federal Credit Union teaches how to understand credit card rates to get the most out of your card.
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Enjoy rates
as low as
10.75
%
APR
APR is Annual Percentage Rate. No annual fee. Cash Advance fee = 3.00% per transaction. 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 transaction. Offer subject to change without notice and may end at any time. Foreign transaction fee for the Platinum Classic Mastercard and Platinum Secure Mastercard is 1.00%. As of 5/02/2023, the standard variable APR for the Platinum Classic Mastercard is 10.75% -- 18.00%. This rate is variable and subject to change. Balance transfer and cash advance fees are subject to transaction fee of 3.00% of total transaction amount. Full Credit Card Account Agreement and Disclosures. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required.
%
APR
Low rates. Great Perks.
2% Cash Back Card
Best if you have established credit, want to earn cash back, and enjoy premium travel benefits.
- Earn 2% cash back for every dollar spent Earn 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.
- $0 annual feeEarn 2 points for every dollar spend on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. 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 5/02/2023, the standard variable rate is 15.74%– 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.
- Plus, you’ll have access to Card Defend, Authorized User, and other built-in Mastercard® benefits
Low-Rate Card
Ideal for those who want an everyday low rate – as low as 10.75% APR APR is Annual Percentage Rate. No annual fee. Cash Advance fee = 3.00% per transaction. 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 transaction. Offer subject to change without notice and may end at any time. Foreign transaction fee for the Platinum Classic Mastercard and Platinum Secure Mastercard is 1.00%. As of 5/02/2023, the standard variable APR for the Platinum Classic Mastercard is 10.75% -- 18.00%. This rate is variable and subject to change. Balance transfer and cash advance fees are subject to transaction fee of 3.00% of total transaction amount. Full Credit Card Account Agreement and Disclosures. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required.
- $0 annual fee1
- Plus, you’ll have access to Card Defend, Authorized User, and other built-in Mastercard® benefits
Credit Builder Card
A great card if you want to build your credit.
- $0 annual feeAPR is the Annual Percentage Rate. Platinum Secure Mastercard. No annual fee. Cash Advance fee is 3.00% per transaction. 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 5/02/2023, the standard variable APR is 18.00%. Foreign transaction fee is 1.00%. All loans are subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.
- Plus, you’ll have access to Card Defend, Authorized User, and other built-in Mastercard® benefits
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.
