Credit Builder Card

Cash Back

Earn 2% cash back on every $1 spent!Balance Transfer Offer, World Card: Offer valid from March 13, 2026, to July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your Arkansas Federal Credit Union World credit card. This introductory offer is available for a limited time. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors and must be requested within the introductory period. Members may make multiple balance transfers during the introductory period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. Balance transfers do not earn rewards, including the 2.00% cash back available on purchases. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the introductory APR and will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. After the 18 billing cycles, any transferred balance not paid in full will accrue interest at the standard variable APR. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.