Visa Platinum

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The Visa Platinum Credit Card from America First is designed to fit you... and, quite frankly, it's the best in the business. Whether you're searching for the lowest possible rate, earning rewards, or getting cash back for your purchases, we have the right option. Choose from the following:

  • Visa Low Rate
    • Get an exceptionally low interest rate.
    • No annual fee.
    • No introductory or teaser schemes.
  • Visa Rewards
    • Earn one point for every dollar you spend.
    • Redeem them for travel, merchandise, gift cards, event tickets and more!
    • America First offers millions of rewards, so you're sure to find one perfect for you. Visit our online store to see the endless possibilities.
    • No annual fee.
  • Visa Cash Back
    • Get 1% cash back on every qualifying purchase.
    • Rebate is paid quarterly and automatically deposited into your savings account!
    • No annual fee.

You'll definitely get the purchasing power you need, at terms that are more than affordable.

When you choose Visa Platinum from America First, you'll also enjoy these great benefits:
  • Personalized design: Free Picture Perfect lets you create your own card with an image of your choice.
  • Travel emergency assistance – Get the following for free by calling 1-800-VISA911:
    • Pre-trip planning, including a list of required immunizations for the destination.
    • Medical emergency information directing you to a hospital with a doctor who speaks English.
    • Translation services.
    • Lost luggage help.
    • ATM locations where funds can be advanced.
    • Roadside service (associated vendor costs will apply).
  • Competitive rates: Ours are some of the best you'll find.
  • No annual fees
  • High credit limits
  • Extended warranties: Doubles the repair period on anything you buy with our Visa Platinum. To register, please call 1-800-551-8472.
  • Auto rental insurance: Free coverage for damage to a rental car when you pay with America First and Visa.
  • Travel emergency assistance: Get free services when you use our card, including medical or legal referrals and ticket replacement.
  • Travel accident insurance: Free accidental death & dismemberment coverage when you book your trip.
Information for cardholders:
  • Call 1-800-999-3961 to take advantage of cash back or rewards.
  • Activate a new card: Call 1-800-562-1337 (24 hours a day, seven days a week) from your home phone or 843-871-5095 from international locations.
  • Report a lost or stolen card: Contact the Visa Department via 1-800-999-3961.
  • Increase your limit: Complete our online loan application.
  • Ensure the use of your card before traveling by letting the Visa Department know (1-800-999-3961).
  • Dispute a Visa purchase: Fax signed forms to (801) 827-8089 for processing.

Do you have more Visa questions? Check out our credit card calculators!

Visa Rating


Today's Rates

Type F/V Term APR
Auto Fixed 5 years 2.99%
Auto Variable 5 years 2.99%
RV Variable 12 years 3.50%
Rates Effective April 07, 2014
Mortgage Rates
Type Rate APR
15 Year Fixed 3.375% 3.4756%
30 Year Fixed 4.375% 4.4337%
Rates Effective April 23, 2014

Mortgage Payment Example

Home Equity Rates
Type F/V Term APR
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs First Mortgage 80% LTV Fixed 5 Yrs 3.24%
Rates Effective April 07, 2014

HE Payment Example

Type   APR
platinum low rate Variable 6.99%
platinum rewards or cash back Variable 8.25%
classic standard rate Variable 10.50%
classic rewards or cash back Variable 12.25%
Rates Effective April 01, 2014
Certificate Rates
Type APY
12 Month Flexible 0.40%
3-5 Months 0.15%
6-11 Months 0.25%
12-23 Months 0.50%
24-29 Months 0.75%
30-35 Months 0.85%
36-47 Months 1.00%
48-59 Months 1.25%
60 Months 2.00%
Rates Effective April 23, 2014

View rates & terms

Visa Rewards