| Rewards | You earn 1 point per $1 spent on purchases with the card. |
|---|---|
| Signup Bonus | The signup bonus is 2,500 CURewards points the first time you use the card |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 15.75%–18.00% variable, based on creditworthiness and the prime rate. |
| Cash Advance Fee | $2.00 or 2.00% of each cash-advance transaction, whichever is greater |
| Late Payment Fee | up to $37 |
| Purchases APR | 15.75%–18.00% variable, depending on creditworthiness and the prime rate. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The Air Force Federal Credit Union Visa Platinum and Platinum Secured cards are best known for their no annual fee, straightforward rates, and a simple CURewards program that earns 1 point per dollar (worth about 1.5% cash back on the Rewards version). You also get a small 2,500-point first-purchase bonus, but no big intro offers or travel perks.
Most users say they appreciate the low cost, the predictable fees, and the fact that both versions are easy to manage through the credit union’s digital banking tools. Many reviewers mentioned that customer service feels more personal compared to big banks, which adds to the appeal for everyday spending or rebuilding credit.
On the downside, people often point out the basic rewards structure, limited card perks, and the fact that the Platinum Secured version doesn’t offer an obvious upgrade path. Some also say the online experience can feel a bit dated.
Personally, I think this card is great if you want a reliable, no-frills card with low fees and steady cash-back potential, especially if you prefer the feel of a credit union. But if you’re chasing high rewards or premium benefits, you’ll likely find stronger options elsewhere.
I got this card improve my credit score, and it's been amazing. Low interest rates, easy online management, and helpful support make it perfect. Highly recommended for anyone starting or rebuilding credit.
