Cash Back Credit Card

With Arkansas Federal’s 2% Cash Back Card, you get 2% back for every dollar spent, no matter what.Rewards: 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. This means that there are no category restrictions for what kinds of purchases you earn rewards on. You can “set it and forget it” without having to think about what types of purchases to use your credit card for.

Yes! You can redeem your rewards for things like travel points, gift cards, and more.

You can redeem your rewards through Arkansas Federal’s uChoose Rewards portal. You can find the portal on the Arkansas Federal app, and it’s easy to redeem your rewards for cash back, travel points, gift cards, and more.

Using your cash back credit card responsibly – paying bills on time and keeping your balance low – can positively impact your credit score. However, high balances and late payments can drag your credit score down.

You can apply in just a few minutes online, or in person by visiting your nearest branch.

It’s pretty simple. New purchases receive 0% APR for your first 6 months.New Purchase Offer, World Cash Back Card: Offer valid for eligible new accounts opened between October 1, 2026, and December 31, 2026. Eligible new purchases receive a 0% introductory APR for six (6) billing cycles beginning on the date the account is opened. The introductory period begins on the account opening date, not the date the card is received, activated, or used. After the introductory period ends, any remaining promotional purchase balance and new purchases will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%. Balance transfers and cash advances are not eligible for the introductory APR and will accrue interest at the standard APR from the transaction date. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard APR. 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 transferred applies to all balance transfers. A cash advance fee of 3.00% per transaction also applies. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. Offer and rate advertised are subject to change without notice. After that, any remaining balance will begin accruing interest at your standard variable APR.

Once your 6-month introductory offer is over, your card moves to its standard variable APR, currently 14.49% – 18.00%,New Purchase Offer, World Cash Back Card: Offer valid for eligible new accounts opened between October 1, 2026, and December 31, 2026. Eligible new purchases receive a 0% introductory APR for six (6) billing cycles beginning on the date the account is opened. The introductory period begins on the account opening date, not the date the card is received, activated, or used. After the introductory period ends, any remaining promotional purchase balance and new purchases will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%. Balance transfers and cash advances are not eligible for the introductory APR and will accrue interest at the standard APR from the transaction date. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard APR. 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 transferred applies to all balance transfers. A cash advance fee of 3.00% per transaction also applies. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. Offer and rate advertised are subject to change without notice. based on your creditworthiness and other factors. And, of course, you can keep using your card just like you normally would.

No, you don’t have to pay your entire balance off before the introductory period ends. Just keep in mind that any remaining promotional purchase balance will begin accruing interest at your standard variable APR once the 0% period is over.New Purchase Offer, World Cash Back Card: Offer valid for eligible new accounts opened between October 1, 2026, and December 31, 2026. Eligible new purchases receive a 0% introductory APR for six (6) billing cycles beginning on the date the account is opened. The introductory period begins on the account opening date, not the date the card is received, activated, or used. After the introductory period ends, any remaining promotional purchase balance and new purchases will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%. Balance transfers and cash advances are not eligible for the introductory APR and will accrue interest at the standard APR from the transaction date. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard APR. 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 transferred applies to all balance transfers. A cash advance fee of 3.00% per transaction also applies. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. Offer and rate advertised are subject to change without notice.

Not quite. The 0% introductory APR applies only to new purchases only. Balance transfers and cash advances aren’t included in the promotional offer and will accrue interest at your standard variable APR.New Purchase Offer, World Cash Back Card: Offer valid for eligible new accounts opened between October 1, 2026, and December 31, 2026. Eligible new purchases receive a 0% introductory APR for six (6) billing cycles beginning on the date the account is opened. The introductory period begins on the account opening date, not the date the card is received, activated, or used. After the introductory period ends, any remaining promotional purchase balance and new purchases will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%. Balance transfers and cash advances are not eligible for the introductory APR and will accrue interest at the standard APR from the transaction date. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard APR. 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 transferred applies to all balance transfers. A cash advance fee of 3.00% per transaction also applies. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. Offer and rate advertised are subject to change without notice.

Yes, you’ll continue to earn unlimited 2% cash backRewards: 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. on eligible purchases during the 6-month 0% APR promotional period.New Purchase Offer, World Cash Back Card: Offer valid for eligible new accounts opened between October 1, 2026, and December 31, 2026. Eligible new purchases receive a 0% introductory APR for six (6) billing cycles beginning on the date the account is opened. The introductory period begins on the account opening date, not the date the card is received, activated, or used. After the introductory period ends, any remaining promotional purchase balance and new purchases will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%. Balance transfers and cash advances are not eligible for the introductory APR and will accrue interest at the standard APR from the transaction date. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard APR. 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 transferred applies to all balance transfers. A cash advance fee of 3.00% per transaction also applies. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. Offer and rate advertised are subject to change without notice. After that, any remaining balance will begin accruing interest at your standard variable APR.