Understanding Credit Card Rates
Arkansas Federal Credit Union teaches how to understand credit card rates to get the most out of your card.
Read More2% Cash Back Credit Card
Earn 2% cash back for every $1 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.
Keep more money in your pocket with 2% cash back, no annual fee, and no over-limit fee.Earn 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, 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 15.74% APREarn 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. | $0 | 3%Earn 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. |
Security & Benefits
$0 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.
Card Defend
With the touch of a button, decide when, where, and how your credit card is used with Card Defend.
Digital Wallet
Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.
More Great Benefits
uChoose Rewards
Earn 2 points 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.
Cell Phone Protection
Provides reimbursement for damage or theft of a cellular phone when the monthly cellular bill is paid using an eligible Mastercard®.Certain restrictions apply. For details, see the Guide to Benefits.
Lost or Damaged Luggage
Provides reimbursement If your luggage is lost, damaged, or delayed in transit.Certain restrictions apply. For details, see the Guide to Benefits.
Identity Theft Resolution Services
Should you become the victim of Identity Theft, Mastercard® will assist you with credit bureau notification and card replacement and provides you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.
Mastercard® Global ServiceTM
Receive around-the-clock customer service assistance with lost or stolen card reporting, emergency card replacement, as well as assistance with locating ATMs and other card-related questions.Certain restrictions apply. For details, see the Guide to Benefits.
Mastercard® Priceless® Cities
Provides access to unforgettable experiences in the cities where you live and travel, such as access to special events, restaurants, museums, and tours.Certain restrictions apply. For details, see the Guide to Benefits.
Mastercard® Airport ConciergeTM
Arrange for a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival, or any connecting flights.Certain restrictions apply. For details, see the Guide to Benefits.
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.
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.
