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Your America First Visa Classic Card offers simplicity, flexibility, low interest rates & no annual fees, as well as cash-back or rewards options. You can design and personalize it with Picture Perfect, and you'll gain additional benefits, such as auto rental insurance and travel accident insurance. The Classic Card comes with a spending limit up to $5,000, so choose the one that best meets your needs.


  • Cash-Back
    • Earn points with every purchase
    • Redeem points for 1% cash back or rewards
    • Choose at what intervals deposits arrive in your account
  • Low Rate
    • Remarkably low rates
    • No annual fees
    • No introductory or teaser rates
  • Rewards
    • Earn one point for every dollar you spend.
    • Points can be redeemed for cash back, travel, merchandise, gift cards, event tickets and more
    • Visit our rewards store to see redemption options

Not sure which card to choose? Try our Credit Card Calculators!

Additional Information

  • Personalized Design: Add your own picture to the card with Picture Perfect
  • Travel emergency assistance - Get these free services by calling 1-800-VISA-911:
    • Pre-trip assistance, including a list of required immunizations for the destination.
    • Medical emergency assistance will direct you to a hospital with a doctor who speaks English.
    • Translation assistance.
    • Lost luggage assistance.
    • ATM locations where funds can be advanced.
    • Roadside service (Visa will provide help at your location; however, you will have to pay for all services).
  • Pick the Card that's Right For You: Choose low rate or cash back option.
  • Travel Emergency Assistance: Get free services when you use the Visa Classic card, including medical or legal referrals and emergency ticket replacement.
  • Auto Rental Insurance: Free coverage for any damage to a rental car when you pay with the Visa Classic card.
  • Travel Accident Insurance: Free Accidental Death and Dismemberment coverage when you use the Visa Classic card to book your travel.
  • Call 1-800-999-3961 to switch to the Cash Back option on your Visa Classic card.
  • Activate a new card: Call 800-562-1337 (24 hours, 7 days) from your home phone or 843-871-5095 from International locations
  • Report a lost or stolen card: Contact the Visa department at 800-999-3961
  • Increase your limit: Complete our online loan application.
  • Ensure the use of your card before traveling: Contact the Visa department before traveling
  • Dispute a Visa purchase: Fax signed forms to (801) 827-8089 for processing.
Product Details APR* As Low As
CLASSIC FLAT 1% CASH BACK 1% Cash Back Classic Card 13.49% Variable
CLASSIC REWARDS Rewards Classic Card 13.49% Variable
CLASSIC STANDARD RATE Low Rate Classic Card 10.49% Variable
PLATINUM LOW RATE Low Rate Platinum Card 6.99% Variable
PLATINUM REWARDS Rewards Platinum Card 9.49% Variable
SIGNATURE 1.5% CASH BACK Unlimited 1.5% Cash Back Signature Card 13.49% Variable
* The Annual Percentage Rates (APRs) listed are our best rates. Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. For Business VISA Credit Card information please see Business VISA Credit Card. For Visa Check Card rates please see Line of Credit. Rates and terms are accurate as of Tuesday, June 01, 2021 and are subject to change. Consumer Loans have a maximum APR of 18%.

Have you outgrown your available credit?

If you’re a responsible member who regularly pays off a Visa® balance every month, but frequently find the card maxed out, it may be time to increase your credit limit. This will give you more spending flexibility and can help cover big expenses, such as a new vehicle or an extended vacation. Click below to choose a limit that better fits your situation.