Arkansas Federal Credit Union Diamond Preferred Rewards Visa

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Arkansas Federal Credit Union Diamond Preferred Rewards VisaThere are many different credit cards available for many different credit levels. However, if you have maintained good credit practices for the last three to four years, even if you have a couple of bumps prior to that, you may qualify for the Arkansas FCU Platinum Visa Classic credit card.

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This is not a bad credit credit card; however, to qualify for this card you don’t have to have perfect credit, you just need to be on the road to perfect credit based on timely payments and a lack of current issues. You can learn more about what the credit unions look for at the Federal Reserve.

Arkansas Federal Credit Union Diamond Preferred Rewards Visa Rewards Program

As mentioned above, this credit card is a low interest credit card for people who have maintained a great credit history throughout the years. This card is a rewards card, as the name suggests, and offers you some flexibility when it comes to the rewards program.

With the rewards program, you have the option of choosing between a cash back rewards program or merchandise rewards program. The cash back program works on a tiered bases. If you have a purchases total of $1,000 or less, then you earn .25% cash back for every purchase, $1,001 to $2,000 gets you .50%, $2,001 to $3,000 is .75% and anything over $3,000 is 1% cash back.

The merchandise points earn you one point for every $1 you spend. You can redeem the points for merchandise on a specialty website maintained by Visa.

Arkansas Federal Credit Union Diamond Preferred Rewards Visa Terms

The terms for this card are well within the requirements laid out by the Federal Reserve. What’s more, their fee structure is similar to most credit unions in that the fees are minimal.

The terms for this card include:

  • 0% APR for 6 months for purchases and balance transfers
  • 8.75% to 12.75% APR after introductory offer; this rate is variable
  • No special rates for cash advances
  • No annual fee
  • 1% foreign transaction fee

Arkansas Federal Credit Union Diamond Preferred Rewards Visa Verdict

Overall, this is an excellent card. The rewards program isn’t as good as you can find elsewhere but most credit card companies charge a much higher interest rate if you have a rewards credit card so this balances things out nicely. However, this is not a card for those of you who have bad credit, judgments, or bankruptcy on your credit report.

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