Credit Card w/ Rewards
All of the Perks. None of the Fees.
American First Credit Union offers you rich benefits with your membership like the American First Mastercard® which comes with a low everyday rate, less fees, and contactless tap-to-pay technology.
- No annual, balance transfer, or cash advance fees
- Complimentary Mastercard ID Theft Protection
- Zero liability protection
- Earn rewards points on all signature transactions when you register with uChoose Rewards
Secured Credit Card
Build Your Credit with a Set Limit
If you’ve never had a credit card before, or your credit isn’t where you want it to be, a secured credit card is a great way to build your credit and manage your debt while maintaining the ability to make easy purchases and earn rewards.
- Build your credit history if you haven't had a credit card before
- Rebuild your credit if you've made mistakes in the past
- No annual, balance transfer, or cash advance fees
- Complimentary Mastercard ID Theft Protection
- Zero liability protection
Credit Card Benefits
Enjoy these benefits when you choose the AFCU Credit Card:
- No annual fee
- No balance transfer fee
- No cash advance fee
- Tap-to-pay technology
- Zero liability protection
- Mastercard Golf Benefits
- Mastercard Transit Benefit
- Mastercard Global Service®
- Mastercard ID Theft Protection™
Earn Rewards Points with uChoose Rewards®
Connect your card to your Apple Device using Apple Pay®
Special Offers for MoviePass, Booking.com, and more!
Credit Card Rates
As of 05/13/2026
| Card Type | APR* as low as |
|---|---|
| AFCU Credit Card with uChoose Rewards |
11.95% - 21.45% |
| Secured Credit Card with uChoose Rewards | 20.95% |
*APR (Annual Percentage Rate) subject to change with the market based on the Prime Rate. Rate shown includes 0.50% discount for automatic payments from an American First account. If the automatic payment option is canceled during the life of the loan, the rate(s) on the entire outstanding and future balance(s) may subsequently increase by 0.50%. A one time $5 lifetime membership may apply. Additional terms and certain restrictions may apply; contact us for more information.
Online Loan Payment Portal
If you don't use Online or Mobile Banking, making a loan payment on your American First loan has never been easier. With this service, you can use any savings or checking account to pay your loan online.
Online loan payments are free for registered users! If you would like to pay as a guest (no registration required), there is a $5 convenience fee for each payment. You may also call 800-290-1112 to make a payment by phone.
