Cash in the New Year
For a limited time, when you consolidate your high-rate credit cards into one easy & affordable America First Visa® payment, we’ll give you 3%* cash back! Apply online today.
*Eligibility, terms & conditions apply. Available on approved credit. Click here for details.
A signature is more than just a printed name—it holds a lot of power. Signatures create binding contracts & give documents your personal seal of approval. Similarly, Visa Signature from America First is more than just a credit card. Beyond all the rewards & advantages you'll enjoy, there's a host of special perks and exclusive benefits that come at no extra cost.
Visa Signature offers the financial flexibility of everywhere-in the-world acceptance. Plus, no matter where or when it's used, you'll earn points with every purchase that can be redeemed for cash back or rewards such as gift cards, travel, merchandise, and events.
If you choose to receive an automatic cash rebate, you can decide if you want it to arrive in your account each month, quarter, or year. The more you use this credit card, the more you get. It's that easy with Visa Signature from America First.
Plus, with Visa from America First, you'll always enjoy such benefits as low rates, no annual fees or balance-transfer fees, chip-enabled security, free Card Guard® mobile security, local discounts & identity theft recovery services.
Put your unique signature on your Visa credit card today!
Visa Signature Benefits
REWARDS
INSURANCE
*Exclusive to Signature Visa credit card
Card Guard
Protect your purchases and control when, where and how your Visa is used!
Free for Apple and Android devices, Card Guard is a revolutionary app for managing your America First Visa® with a smartphone. Our easy-to-use interface gives you the power to limit transactions by geography, set spending amounts, define which merchants can process transactions, and so much more. If you ever lose a card, you can quickly turn it on & off, and you’ll always stay informed with notifications.
Identity Theft Recovery
Members with America First Visa® credit cards automatically have access to our identity theft protection services at no cost which includes:
- Fully managed identity theft recovery
- Lost document replacement
- 3G family coverage
You may also purchase additional recovery services to meet your specific needs.
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.
| Product | Details | APR* As Low As |
|---|---|---|
| PLATINUM LOW RATE | Low Rate Platinum Card | 11.24% Variable |
| SIGNATURE 1% CASH BACK | Unlimited 1% Cash Back Signature Card | 13.74% Variable |
| PLATINUM REWARDS | Rewards Platinum Card | 13.74% Variable |
| CLASSIC STANDARD RATE | Low Rate Classic Card | 14.74% Variable |
| SIGNATURE 1.5% CASH BACK | Unlimited 1.5% Cash Back Signature Card | 17.74% Variable |
| CLASSIC FLAT 1% CASH BACK | 1% Cash Back Classic Card | 17.74% Variable |
| CLASSIC REWARDS | Rewards Classic Card | 17.74% Variable |
| SILICON SLOPES SIGNATURE VISA | Unlimited 1% Cash Back .5% Donation Signature Card | 17.74% 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, January 03, 2023 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
| Interest Rates and Interest Charges | ||
|---|---|---|
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How to Avoid Paying Interest on Purchases |
Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. |
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Balance Calculation Method |
We use a method called "average daily balance" (including new purchases). |
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Minimum Finance Charge |
None |
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| Fees | ||
|---|---|---|
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Annual Fee |
America First Visa® credit cards don’t have annual fees, with the exception of our Silicon Slopes Signature option, which includes a $50 annual donation to local businesses. |
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Cash Advance Fee |
1.5% of amount of advance |
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Late Payment Fee |
Up to $35 |
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Return Item Fee |
$10 |
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Foreign Transaction Fee |
Up to 1% of the US dollar amount of the foreign transaction. |
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Transaction Fee for Purchases |
None |
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Other Information
Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.
Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.
Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.
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 http://www.consumerfinance.gov/learnmore.
We reserve the right to amend the VISA Credit Card Agreement as permitted by law.
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