Tag: Arkansas credit union

Arkansas Federal Credit Union Cash Back Visa

The Arkansas Federal Credit Union Cash Back Visa is a versatile cash back credit card designed for individuals seeking to earn rewards on everyday purchases. Issued by the Arkansas Federal Credit Union, this card presents an attractive option for those who want to maximize their spending benefits while enjoying a range of features designed to enhance the cardholder experience.

Card Type

This card is categorized as a cashback credit card, allowing users to earn cash back on their purchases. The cashback structure provides a straightforward and rewarding experience, making it a preferred choice for consumers who value simplicity without the need for complex points systems.

Annual Fee

The Arkansas Federal Credit Union Cash Back Visa comes with no annual fee, making it an attractive option for budget-conscious cardholders. This feature ensures that users can enjoy the benefits of the card without incurring additional costs simply for holding the account.

Rewards Program

This credit card offers a competitive rewards program that enables cardholders to earn cashback on every purchase. Users can earn a percentage back on all qualifying purchases, with enhanced rewards in specific categories such as groceries, gas, and dining out. Cashback can be easily redeemed via account statement credits or direct deposits, providing flexibility for how rewards are used.

Sign-Up Bonus

New cardholders have the opportunity to earn a lucrative sign-up bonus. By meeting a specified spending threshold within the first few months of account opening, cardholders can receive an additional cash bonus. This offer is an excellent incentive for users to start using their new credit card immediately.

APR (Annual Percentage Rate)

The regular APR for the Arkansas Federal Credit Union Cash Back Visa is competitive, with a rate that is reflective of the current market. Additionally, new applicants may benefit from an introductory APR offer, allowing them to enjoy 0% for a certain period on purchases made within the first few months. This feature is particularly beneficial for those planning a large purchase or transfer.

Foreign Transaction Fees

Traveling abroad? The Arkansas Federal Credit Union Cash Back Visa does not charge foreign transaction fees. This makes it an excellent choice for globe-trotters who want to avoid extra costs while using their cards internationally.

Balance Transfer Options

For those looking to consolidate debt, the card offers appealing balance transfer options with a potential 0% APR for initial transfers made within the promotional period. This feature, paired with minimal transfer fees, can help cardholders manage existing balances more effectively.

Additional Fees

While the card boasts many fee-free benefits, users should be aware of other potential fees that may apply, including late payment fees and cash advance fees. Its crucial for cardholders to read the terms and conditions to remain informed about these charges.

Card Benefits and Perks

In addition to the straightforward rewards program, the Arkansas Federal Credit Union Cash Back Visa offers several valued benefits and perks. These include travel insurance, access to exclusive discounts, and roadside assistance services, making it versatile for both everyday spending and travel-related expenses.

Customer Protections and Insurance

Cardholders can enjoy robust customer protections and insurance, including fraud liability coverage, purchase protection for eligible purchases, and rental car insurance. These features provide peace of mind when using the card for both online and in-store purchases.

Eligibility and Credit Score Requirements

To qualify for the Arkansas Federal Credit Union Cash Back Visa, applicants typically need a good to excellent credit score, generally around 650 or higher. However, specific eligibility criteria may vary, so potential applicants are encouraged to check their individual credit standing before applying.

Introductory Offers

In addition to the above-mentioned introductory APR, the card often features introductory offers that can provide additional bonuses upon meeting certain criteria. Prospective cardholders should check current promotions to take full advantage of these offers.

Special Features or Unique Selling Points

One unique feature of the Arkansas Federal Credit Union Cash Back Visa is its focus on community engagement, offering cardholders opportunities to participate in local events or gain access to special promotions. This fosters a sense of community among cardholders and enhances customer loyalty.

How to Apply

Applying for the Arkansas Federal Credit Union Cash Back Visa is straightforward. Interested individuals can apply online through the ‘>official website or for further information, check out UpCube.net.