One size does not fit all. That’s why American Federal offers a range of competitive-priced Credit Card solutions to fit your lifestyle. Experience the unique rewards and special benefits that come with card membership. Whether you’re planning your dream vacation or managing your household finances, we offer a Credit Card to meet your goals. It’s easy to select the card that’s right for you.
Local servicing and support. It’s the reason you will want to carry an American Federal VISA® credit card. American Federal Bankers and Associates take personal responsibility to answer your credit card questions and help you when you need to resolve a problem. You also have 24-hour safe and secure access to your credit card account information online or through Cardmember Services at toll free 800-558-3424.
Contact your American Federal Banker to learn more about our Credit Card options, whether you want the exceptional rewards of the Visa® Real Rewards Card and the American Express® Premier Rewards Card, the simplicity of the Visa® Platinum Card, or the cash rewards of the American Express® Cash Rewards Card. And, find out about our Credit Cards for college students and those who are beginning to build a strong credit history for the future.
Our Credit Cards offer benefits:
- Free online account access
- Zero Liability fraud protection so you won’t be liable for unauthorized activity made with a lost or stolen card if you report the activity promptly
- Verified by Visa® protects a cardmember’s card with a personal password when shopping online with participating merchants
A variety of Credit Card options and rates are available. Contact us today for a solution that fits your needs.
Pay Down Balances
Visa® Platinum Card
Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card. More
Flexible Cash Rewards
Cash Rewards American Express® Card
Earn cash back1 every time you use your card: 3% on the first $6,000 in eligible net purchases made each year at gas stations2,4, 2% on eligible supermarket net purchases, and 1% on all other eligible net purchases2, plus $25 cash back after your first purchase.3 More
Rewards To Use The Way You Want
Visa® Real Rewards Card
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5 Plus, earn 2,500 bonus rewards points after your first purchase.3 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards. More
Premier Rewards American Express® Card
Earn up to 4 points for every $1 spent on eligible net restaurant purchases6, 3 points for every $1 spent on eligible net airline purchases, points for every $1 spent on eligible net gas purchases and 1 point for every $1 spent on all other eligible net purchases. Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months.3 There’s no cap or limit on the number of points you can earn, and you have five years to redeem for rewards.4 Also, receive reimbursement for either Global Entry or TSA Pre✔︎®.7 More
Build Your Credit
Visa® College Real Rewards Card
Earn 1.5 points monthly for every dollar you spend on eligible net purchase.5 There’s no cap or limit on the points you can earn, plus you have five years to redeem points for rewards.4 2,500 bonus points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings. More
Visa® Secured Card
Provides and excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here’s a great way to begin that process. Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account. More
Ways to Build or Improve your Credit
- Pay your monthly balance on time
- Don’t “max” your credit
- Make more than the minimum payment
- Pay off balances instead of transferring debt
- Regularly check your credit report for errors
View Financial Calculator – How long will it take to pay off my credit cards?
Access your American Federal Credit Card account.
1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are
6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 Late payments and going over the credit limit may damage your credit history.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.
This information offers general advice and is not intended to be legal or tax advice. Consult your attorney, tax accountant or other professional.