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Get a 3% Cash-back Bonus on Balance Transfers

For a limited time, when you transfer your existing balances to low-rate America First Visa credit card, we’ll give* you 3% of the transferred amount. There’s no better time than the new year to consolidate your debt, and no better way to do it than with some free cash and the unbeatable perks & features of an America First Visa card. Click here for details.

Lady smiling with a device in hand

Your America First Visa Classic Card offers simplicity, flexibility, low interest rates & no annual fees, as well as cash-back or rewards options. You can design and personalize it with Picture Perfect, and you'll gain additional benefits, such as auto rental insurance and travel accident insurance. The Classic Card comes with a spending limit up to $5,000, so choose the one that best meets your needs.

  • Cash-Back
    • Earn points with every purchase
    • Redeem points for 1% cash back or rewards
    • Choose at what intervals deposits arrive in your account
  • Low Rate
    • Remarkably low rates
    • No annual fees
    • No introductory or teaser rates
  • Rewards
    • Earn one point for every dollar you spend.
    • Points can be redeemed for cash back, travel, merchandise, gift cards, event tickets and more
    • Visit our rewards store to see redemption options

Not sure which card to choose? Try our Credit Card Calculators!

Additional Information

  • Personalized Design: Add your own picture to the card with Picture Perfect
  • Travel emergency assistance - Get these free services by calling 1-800-VISA-911:
    • Pre-trip assistance, including a list of required immunizations for the destination.
    • Medical emergency assistance will direct you to a hospital with a doctor who speaks English.
    • Translation assistance.
    • Lost luggage assistance.
    • ATM locations where funds can be advanced.
    • Roadside service (Visa will provide help at your location; however, you will have to pay for all services).
  • Pick the Card that's Right For You: Choose low rate or cash back option.
  • Travel Emergency Assistance: Get free services when you use the Visa Classic card, including medical or legal referrals and emergency ticket replacement.
  • Auto Rental Insurance: Free coverage for any damage to a rental car when you pay with the Visa Classic card.
  • Travel Accident Insurance: Free Accidental Death and Dismemberment coverage when you use the Visa Classic card to book your travel.
  • Call 1-800-999-3961 to switch to the Cash Back option on your Visa Classic card.
  • Activate a new card: Call 800-562-1337 (24 hours, 7 days) from your home phone or 843-871-5095 from International locations
  • Report a lost or stolen card: Contact the Visa department at 800-999-3961
  • Increase your limit: Complete our online loan application.
  • Ensure the use of your card before traveling: Contact the Visa department before traveling
  • Dispute a Visa purchase: Fax signed forms to (801) 827-8089 for processing.

Have you outgrown your available credit?

If you’re a responsible member who regularly pays off a Visa® balance every month, but frequently find the card maxed out, it may be time to increase your credit limit. This will give you more spending flexibility and can help cover big expenses, such as a new vehicle or an extended vacation. Click below to choose a limit that better fits your situation.