America First Credit Union Logo

America First Credit Union

star star star star star_half
44 User Reviews

6.7

Overall Score

Utah-based America First Credit Union offers a variety of banking services and credit cards to its members. With all credit card products backed by Visa, America First provides cards with competitive rates, as low as 6.99 to 13.49 percent. In addition, Visa cards offer worldwide acceptance.

Seeking to meet the needs of consumers of various credit and financial backgrounds, America First offers traditional cash back and rewards options, but also offers a secured credit card option for borrowers looking to build or rebuild their credit. 

It is important to note that America First credit cards are only available to members residing in Utah.

Continue reading for pros and cons, and America First credit cards reviews from real customers.

thumb_up

The Good

  • Variety of Cards
  • Benefits and Features
  • Card Guard Mobile App
  • Online Banking and Bill Pay
  • Customer Reviews

Variety of Cards

America First Credit Union offers a variety of Visa cards, including cash back, low rate, and rewards credit cards. If you do not have an established credit history, or perhaps damaged credit, America First Credit Union offers a secured Visa credit card option. With no annual fee and low rates, the secured Visa can be a good option for those seeking to build credit.

A variety of cards provides greater flexibility to consumers to get the best credit card for their needs and financial circumstances.

Benefits and Features

America First offers Classic Visa and Platinum Visa credit cards that offer an extensive selection of benefits with no annual fee. An America First Credit Union account holder can 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 and your credit history. Cash back rewards are automatically deposited into the cardholder's personal banking account on a regular basis. All cards feature the following benefits:

  • Identity theft recovery services
  • Select entertainment discounts
  • No balance transfer fees
  • Card Guard mobile app
  • EMV security chip technology
  • Mobile wallet
  • ABC Deals cash rebate program
  • No minimum finance charge
  • Fraud safeguards

In addition to these card benefits and features, America First also has an option to easily apply for a credit limit increase. However, to qualify for this increase, you must be a responsible member who pays off their credit card balance on time each month; there may be other factors taken into consideration that could also affect approval.

Card Guard Mobile App

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.

Online Banking and Bill Pay

Consumers can enroll in free online banking services with America First for easier management of their credit card accounts, through which they 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. 

In addition, cardholders 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.

Customer Reviews

America First Credit Union reviews are currently limited, but the majority of customers give the company a 4 or 5-star rating. Of these positive reviews, many customers highlight excellent and reliable customer service and competitive rates on credit cards.

thumb_down

The Bad

  • Service Limitations
  • Interest Rates
  • Additional Fees

Service Limitations

America First Credit Union 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 detailed information up front 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 credit union does not offer 24/7 customer service or a live chat option to speak with a customer service representative.

Interest Rates

America First does not offer a zero percent introductory APR on credit cards, a feature that is often included in many other competiting card issuer offerings. 

Depending on the credit card, the lowest interest rate available ranges from 6.99 percent to 13.49 percent APR depending on current market rates, card selection, and the cardholder's overall credit score. These percentages are reflective of the lowest rates offered on Visa cards; maximum interest rate information is not provided. Because America First Credit Union credit cards have variable rates, interest rates are subject to change on a quarterly basis.

Additional Fees

America First charges up to $35 for late payments and a $10 fee for returned items, and 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 fees are within the average range for the industry norm but can be quite expensive for cardholders with imperfect credit histories. America First's Visa cards are generally accepted worldwide and the foreign transaction fee is better than some other competitors, but it can still be costly for travelers who make frequent purchases internationally.

gavel

The Bottom Line

America First Credit Union offers a comprehensive range of Visa credit card options for its Utah-based customers to choose from. These credit cards offer cash back on eligible purchase or redeemable non-cash rewards through the accumulation of points. With limited interest fees, these cards can be suitable for consumers who need to rebuild their credit histories and can also be pretty decent for consolidating large amounts of debt from multiple cards. The financial services company also provides online banking services, a mobile app, and various other financial products and services.

There are some limits on America First's services, including the fact that it does not provide 24/7 customer service. In addition, the company does not provide specific details on the rewards that can be earned or if there are any caps on the number of points that can be earned within a certain timeframe on a rewards credit card. Interest rates are within the industry norm but are most suited for consumers with excellent credit histories who have an established banking relationship with the credit union.

We recommend research other credit card lenders before deciding on whether or not to open a credit card with America First Credit Union, but if you currently bank with this financial institution, its credit card offerings could be a good option for you.

If you have borrowed from American First Credit Union, please tell us about your experience by leaving a review.

View Best Credit Card Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.6

star star star star star_half

44 Reviews

Review Breakdown

5 grade

75%

4 grade

18%

3 grade

2%

2 grade

2%

1 grade

2%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star star star star

DeborahAnn Magnusson Midway, UT

We have been banking with American first for years. They have always been great to work with. Unlike banks, they dont really have any fees that I'm aware of, that's the biggest reason to go with America First. Also, all the local credit unions have an agreement where if you pull money from an ATM from another credit union, there are no ATM fees. So it's just a great place to keep your money wtihout paying fees.

2 months ago

star star star star star

Magnum0970 Cerritos, CA

I love America first credit union, and have used them for many many years. I have friends that work there, and they love the work atmosphere. I love the idea of a credit union much more than a bank, their fees are fair and I like that all credit unions work together so I don’t get charged at ATMs of other credit unions when I pull money. I would never use a bank

2 months ago

star star star star star

Dayna Brown Logan, UT

I am a long-time member of AFCU and I will never go anywhere else for banking! Their app is easy to navigate and I love being able to see where I'm spending my money each month...makes budgeting SO MUCH easier!

5 months ago

star star star star star

Morgan whiting Los Angeles, CA

My first ever loan was from here. It was a great experience and I was happy to work with them. They reported my monthly payments and my credit score went up! I would use them for credit cards, Banking, and loans. They are awesome!

7 months ago

star star star star star

Ashley Ulibarri Los Angeles, CA

I have been banking with America First Credit Union for 20 years, I have many car loans and credit cards through them. Their customer service is amazing and have never had a problem in the many years I’ve been banking with them.

8 months ago

star star star star star

Tiauna Anderson Salt Lake City, UT

My America First card has been so great. I love that I'm not dealing with a bunch of hidden fees and I've never had to wait long periods of time for a customer service representative. I had an issue with a grocery store charge recently and they reversed my charge and got me taken care of with no real hassle. I definitely recommend!

8 months ago

star star star star star_border

Wendy Rowlette Morgan, UT

We have been America First members for years. Its nice to have banking without extra fees. We have had car loans along with checking and savings accounts. We will continue to use this credit union because of the good customer service and banking experiences we have had.

6 months ago

star star star star star

Leisha Logan, UT

I’ve been an America First member for over 20 years!! I appreciate how they treat their customers. They are loyal, kind, and so wonderful to work with. Their debt and credit card system is great!

6 months ago

star star star star star

Patrick Curry Salt Lake City, UT

Love the customer service I'm always presented with. They always have the best financing and rates. We've had two car loans through them and just financed our current vehicle

7 months ago

star star star star star

Eric Wilkinson Herriman, UT

We have an America First Credit Union credit card for our business. I love the customer service that America First offers and it's super easy to pay payments with our online business checking account.

8 months ago

star star star star star_border

Dre35 West Valley City, UT

Great credit union with great rates! This is our go to local bank and our signature visa is our go to credit card. Great interest rate, which we never really leave balances on our card. The benefits and protections are top notch!

8 months ago

star star star star star

Lindsey Newman American Fork, UT

I really love banking with America First! Everything is always so straightforward whether it’s setting up a new account, using the mobile app (awesome) Or trying to get ahold of their customer service- they are just so on top of things and make me feel very secure with their Fraud protection help as well!

1 year ago

star star star star star_border

Rickey Lehi, UT

I've had AFCU since I was a teenager in high school. They are great, almost totally lovely. No monthly or annual fees, they're accredited / backed by the federal govt so you know your money is extra safe (well, as it can be), and their employees are nice. Their website is easy to navigate. Their app is good too. Though I really wish you could resize the type.

11 months ago

star star star star star

Kylie Howes Provo, UT

America First's credit card options are all pretty straightforward, and the interest levels are fairly low. I've liked having an AFCU credit card, because then all of my credit card information is kept with my regular banking info, and it's super convenient to pay off my charges before interest rates are applied. I've never had any issues with my payments on this credit card, nor have I had any security issues. It's a great tool to have.

1 year ago

star star star star star_border

Anne Sainsbury Payson, UT

Three weeks ago I went into America First with my Fiancé to be added to his account and receive a credit card as a joint account holder. We were there for about an hour and had everything set up. Unfortunately there were some hiccups along the way and the cards were delayed a week because they never let us know that the paperwork had been approved and we needed to come in and sign. We worked through the glitch and just got our cards yesterday. Overall, even with the hiccup, I am really excited for these services. Getting added to my fiancé's savings and checking accounts was super simple and then approval for the credit went fairly quickly as well. I would recommend this Credit card to anyone!

1 year ago

star star star star star

Andrew Peterson Brigham City, UT

I have been with America First Credit Union for over 10 years now and the customer service has always been great.

3 months ago

star star star star star

Megan Rigby

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.

3 years ago

star star star star star

Hayley Lambdin Orem, UT

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!

3 years ago

star star star star star

Andrea Simon Billings, MT

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.

4 years ago

star star star star star

Nicole Jones Sandy, UT

I have been a customer of America First Credit Union for the last 17 years. They are my main source of banking. I have multiple credit cards through them and when I found fraudulent charges on one of my cards last year, they were extremely helpful through the process. Their rates and level of service truly are top notch!

1 year ago

star star star star star

Marilynn Holland Salt Lake City, UT

I have been a customer of America First for many years . They have always been friendly and always ready to help in any way.

6 months ago

star star star star star

Brittany Wilkinson Herriman, UT

I love America First! They have always been my go to bank for credit cards, loans, checking, savings. etc. Great customer service and banking options.

1 year ago

star star star star star

Elite Empire Salt Lake City, UT

Great auto loan process and low rates. Used by more than once and would use again. Everyone I worked with was happy to be there and made me feel welcome

11 months ago

star star star star star

BeauCarl South Jordan, UT

When Mtn America denied me the ability to open an Account, I walked in America First and have been a customer for 20 years, with CC, Home Equity line of credit, and Auto Loans, they have been great to work with

1 year ago

star star star star star

Eric Smith Riverton, UT

I only have good things to say about AFCU. I have only had positive experiences in the branches and on the phone with their personnel and service has always been outstanding.

1 year ago

star star star star star

Christina Kaysville, UT

I have banked with America First for several years and have always been happy with all of their services. Would highly recommend to anyone.

1 year ago

star star star star star

Mykahla Nelson Managua, MN

America first is the only way to go ! By far the best card service ever ! I would highly recommend using this bank! My card will work anywhere even in a third world country.

1 year ago

star star star star star_border

Amy Christian Sandy, UT

My only complaint is the app is not very easy to use and comprehensive. I so enjoy the ease to make several saving accounts and am able to transfer $$ easily into them. Great service and excellent fraud control and help.

1 year ago

star star star star star

Adrianne murray Brigham City, UT

I have had a credit card through them for 22 years. I love this bank and suggested to all my kids. Using their online system to pay off the card is very easy

1 year ago

star star_border star_border star_border star_border

Della Green Salt Lake City, UT

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.

2 years ago

star star star star star

Justin McMurtrey South Jordan, UT

America First is a great company. I use their credit cards for all of my business accounts and they give great cash back rewards.

1 year ago

star star star star star

PessoaJ Herriman, UT

We had America first accounts for a long time with no problems. We had their credit card right along with our account and it was great

1 year ago

star star star star_border star_border

Tony Riverton, UT

I do my business banking with America First Credit Union and am happy with the customer service. However, the web portal is horrible and I can't recommend using the card if you depend on doing online banking.

1 year ago

star star star star star

Emily Walker Provo, UT

America First has been super great to work with. They are so friendly and helpful and ready to answer any questions when needed.

1 year ago

star star star star star

Nicholas Cloward Salt Lake City, UT

Great company. Always taken good care of us. Always have better rates than other places. Highly recommend

1 year ago

star star star star star_border

Cam McClellan Magna, UT

We opened up accounts at America First credit union for our kids. It is awesome they help them to save with a higher interest rate.

1 year ago

star star star star star_border

Rischelle Mikkelson American Fork, UT

America First Credit Union is a great company. The people are great and very helpful. When I had some fraud on my card, they took care of everything.

1 year ago

star star star star star_border

Jami Howell Farmington, UT

Their interest rates are lower than anyone else and they are easy to work with. Coming from Wells Fargo, they have been much better to work with.

1 year ago

star star star star star

Helen Macfarlane Pleasant Grove, UT

America First is a great bank to work with. The customer service has always been helpful and friendly.

1 year ago

star star star star star

Suzanna Wootton Springville, UT

I have nothing bad to say about America First! I love their service!

3 years ago

star star star star star

Adria Riverton, UT

Love America first. Have banked here for years and love my America first credit card

1 year ago

star star star star star

Bill Nelson Ogden, UT

Low rates, Easy and convenient to make payments on the website. Can be used everywhere I shop.

1 year ago

star star star star star

Chris Wootton Ogden, UT

Excellent company to work with good product value.

3 years ago

star star star_border star_border star_border

bailey jo Orem, UT

Very frustrating and long process to get a card. They were friendly but the card has been alright.

1 year ago

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information