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Be prepared for whatever surprises life throws your way. 

Credit Cards

Request the card that fits your lifestyle

It’s hard to get along without a credit card. After all, great purchase opportunities don’t always show up on payday and your car doesn't wait to break down until your Savings Account has enough money to handle it! We have a wide selection of credit cards for individual use.

Security Protection for your Visa® Credit Card...it’s absolutely free! Enjoy greater protection against theft, loss, or unauthorized use of your American First Visa cards.

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Credit Card Benefits

Enjoy these great benefits with our Credit Card.

Classic Visa

with UChoose Rewards

Share Secured Visa

No Annual Fee
Free 24-Hour Web Access and e-Statements
True 25-Day Interest-Free Grace Period  
Free Auto Rental Insurance  
 UChoose Rewards    
Annual Percentage Rate* for Purchases, Balance Transfers, and Cash Advances 8.95% to 17.95%
based on your creditworthiness.
Penalty APR and When it Applies 18.25% to 22.25%
based on your creditworthiness.

18.25% to 22.25% 
based on your creditworthiness.

How to Avoid Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

Credit Card Benefits

24-Hour Cardmember Service

Available via toll-free number 800.290.1112, 24 hours a day, 365 days a year.

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*This APR will vary with the market based on the Prime Rate, as published under "Money Rates" in The Wall Street Journal.

**Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa®, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued.