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America First Credit Union was founded in 1939 in Salt Lake City, Utah. The company serves over 700,000 members with a comprehensive range of financial products and services. America First is federally insured by the National Credit Union Association and has more than $7.1 billion in total assets. The financial services company offers several types of Visa credit cards with various benefits and rates with no annual fee.
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America First offers Classic Visa and Platinum Visa credit cards that offer an extensive selection of benefits with no annual fee. Consumers are able to earn between one percent to 1.5 percent cash back or one point for every dollar spent on eligible purchases. Other Visa benefits include travel insurance and credit limits up to $15,000 depending on card selection. Cash back rewards are automatically deposited into the cardholder's personal banking account on a regular basis. All cards feature the following benefits:
The Card Guard mobile app gives cardholders the ability to manage accounts directly from any mobile device at no cost. Cardholders can set spending limits per transaction, turn off credit card use capability when desired, and choose specific merchants near their location where the card is only allowed to be used. Cardholders must be enrolled in the company's online banking services in order to use these included features.
Consumers can enroll in free online banking services with America First for easier management of their credit card accounts. Customers can review online statements, transfer funds, and set up automatic payments. Consumers can also apply for additional lending, link multiple accounts, track spending, and create household budgets safely and securely. Account holders can also create customized text and email alerts to be reminded when bills are due or to be notified of any transaction activity. Customers will also receive their current FICO credit scores on each month's billing statement.
America First does not offer a zero percent introductory APR on purchases for customers, which is a feature that often included in many other competitor offerings. America First charges APRs for purchases ranging from 6.99 percent to 10.5 percent depending on current market rate, card selection, and the cardholder's overall credit history. APRs are subject to change on a quarterly basis.
America First charges up to $35 for late payments and a $10 fee for returned items. There is a 1 percent fee for foreign transactions. The financial services company also charges a 1.5 percent cash advance fee for the total amount of each transaction of this type. These rates are within the average range for the industry norm but can be quite expensive for cardholders with imperfect credit histories. The foreign transaction fee is better than some other competitors but it can still be costly for travelers who make frequent purchases internationally.
The financial services company only provides credit card services to Utah residents who meet certain undisclosed credit eligibility requirements. In order to access provided services, consumers must first open a personal bank account which may require a minimum deposit. America First does not offer upfront detailed information regarding the specific reward options that may be earned or if there are any maximum earning caps or expiration timeframes with the reward points. The financial services company does not offer 24/7 customer service or a live chat option to speak with a customer service representative.
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I had an account with AF since I was 16 years old so for almost 30 years. For the first time I was unable to make my mortgage payments due to loss of employment because of medical issues. They refused to work with me and gave false information. This is not what I expected and would not suggest getting an account with them.
Excellent company to work with good product value.
I have nothing bad to say about America First! I love their service!
A member to America First for 15 + year. Very helpful with settling credit card fraud and getting out money back. Customer service was always kind, patient and willing listen to your needs.
I have had a credit card with America First since I was 15 years old. They always send me a credit card when it is about to expire. I also really like my dancing shopping girl design on my credit card. It's real fancy!
Im using this site for the first time, love the reviews. and lists. I fixed my credit with best company's help, now im going to see if I can get some credit here. Ill post what happens with this company.