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. The best way to build your credit is to use your secured credit card responsibly and make your payments on time each month. Paying your balance may lead to an increase in your credit limit as well.
Secured Credit Card Benefits
A secured credit card allows you to set your limit. You deposit cash that is held by American First. This cash is used as collateral to cover the balance on the account if you fail to make payments. The benefits of using a secured credit card include:
- Build your credit history if you have not had a credit card before
- Rebuild your credit if you’ve made mistakes in the past
- No cash advance fees, balance transfer fees, or annual fees
- Tap-to-pay technology
- Zero liability protection
- Mastercard Golf Benefits
- Mastercard Transit Benefit
- Mastercard Airport Concierge®
- 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!
Apply for a Secured Credit Card
If you’d like to apply for a secured credit card, call us or visit a branch to get started.
Credit Card Rates
As of 07/08/2025
| Card Type | APR* as low as |
|---|---|
| AFCU Credit Card with uChoose Rewards |
12.70% - 22.20% |
| Secured Credit Card with uChoose Rewards | 21.70% |
*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.
