| Rewards | N/A |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | $2.00 or 2.00% of the amount of each cash advance, whichever is greater |
| Late Payment Fee | $25.00 or the amount of your required minimum payment, whichever is less, if your payment is 30 or more days late. |
| Purchases APR | From 15.75% (variable) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Air Force Federal Credit Union Credit Card is known for being a low-cost, no-annual-fee option that focuses more on practicality than perks. It doesn’t offer big rewards programs or flashy travel benefits — instead, it’s designed as a dependable everyday card with straightforward terms and credit-union customer service.
Most users say they appreciate the lack of an annual fee, the fair rates, and the overall feeling that the card is “simple and honest.” Many reviewers mentioned that AFFCU’s support team is responsive and that the card works well as a no-pressure option for building or maintaining credit.
On the downside, people often point out the absence of rewards, limited extras, and the fact that it doesn’t compete with larger banks when it comes to perks or sign-up bonuses. A few also noted that the online banking experience feels a bit dated.
Personally, I think the card is best for someone who wants a clean, no-frills credit card from a member-focused institution. If rewards or travel benefits matter to you, you’ll want to look elsewhere — but if you prefer low fees and simplicity over bells and whistles, it’s a solid and reliable choice.
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