Understanding Credit Card Rates
Low-rate credit cards are great, especially for people new to using credit cards.
Read MoreLow-Rate Credit Card
Save with a low rate and no annual fee.1
Save with a low rate and no annual fee.
Get one of the best everyday credit card rates available, as low as 11.25% 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 9/02/2023, the standard variable APR for the Platinum Classic Mastercard is 11.25% -- 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.. Plus, there’s no annual fee and no over-limit fee.
Interest Rates & Fees Summary
| Interest Rate | Annual Fee | Balance Transfer Fee |
|---|---|---|
| as low as 11.25% 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 9/02/2023, the standard variable APR for the Platinum Classic Mastercard is 11.25% -- 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 | 3%Balance transfers are subject to a transaction fee of 3.00% of the total transaction amount. |
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
Online & Mobile Banking
Managing your card from your computer or mobile device has never been easier! Pay your credit card bill online, check available credit, and more.
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 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.
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.
