Understanding Credit Card Rates
Credit cards sometimes offer cash back and rewards that can help you save money and improve your credit score.
Read More2% Cash Back Credit Card
Earn 2% cash back for every $1 spent.APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.49% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. 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. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
Keep more money in your pocket with 2% cash back, no annual fee, and no over-limit fee. APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.49% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. 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. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
Plus, enjoy some amazing Mastercard® travel benefits. Get a snapshot of your current benefits and download the full guide below!
Interest Rates & Fees Summary
| Interest Rate | Annual Fee | Balance Transfer Fee |
|---|---|---|
| as low as 15.49% APR APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.49% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. 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. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures. | $0 | 3%APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.49% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. 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. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures. |
Benefits & Features
uChoose Rewards
Earn 2 points for every dollar spent. APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.49% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. 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. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
$0 Annual Fee
Delight in no annual fees or minimum finance charges. Hooray!
$0 Fraud Liability
You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See www.mastercard.us/zero-liability for details.
Tap to Pay (Contactless)
Pay in seconds with a tap of your card at a contactless-enabled terminal.
Digital Banking
Enjoy convenient, secure 24/7 access to your accounts right from your computer, tablet, or smartphone. Control your card 24/7, monitor your credit score with Credit IQ, pay bills, send secure messages, make digital payments, and so much more.
Digital Wallet
Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.
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.
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 provide you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to 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.
Frequently Asked Questions
How do I earn rewards?
With Arkansas Federal’s 2% Cash Back Card, you get 2% back for every dollar spent, no matter what. 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. Aside from that, it functions the same as a regular credit card – you use it to make purchases, receive a monthly bill, then make payments.
Can I redeem my rewards for things other than cash back?
Yes! You can redeem your rewards for things like travel points, gift cards, and more.
How do I redeem my cash back?
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.
How does a cash back credit card affect my credit score?
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.
How do I apply?
You can apply in just a few minutes online, or in person by visiting your nearest branch.
