Credit Builder Card

Cash Back

Earn 2% cash back on every $1 spent!As of March 13, 2026, 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your existing Arkansas Federal Credit Union World credit card. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors. Members may make multiple balance transfers during this period; however, the 18-billing-cycle of 0% interest on transfers begins with the first approved balance transfer. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to eligibility and available credit limits. Once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. Balance transfers do not earn rewards, including the 2.00% cash back available on purchases. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. After the 18 billing cycles, any transferred balance not paid in full will accrue interest at the standard variable APR. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and 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.