Understanding Credit Card Rates
Low-rate credit cards are great, especially for people new to using credit cards.
Read MoreGet 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 Rate | Annual Fee | Balance Transfer Fee |
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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. |
Tap to Pay (Contactless)
Pay in seconds with a tap of your card at a contactless-enabled terminal.
$0 Annual Fee
Delight in no annual fees or minimum finance charges. Hooray!
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.
Everyday Low Rate
Enjoy a rate that’s consistently ranked as one of the lowest rates in the country.
Digital Wallet
Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.
$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.
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.
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.