Credit Card Comparison

Most adults have at least one credit card, but did you know not all credit cards work the same? Different creditors and lenders can have different terms and conditions for their credit cards, despite them seeming like similar options. Here’s how our credit cards compare to other common cards.

1. Low, fixed interest rate. A lot of credit cards offered by the big lenders you see on TV often come with a variable rate, which means the interest you pay can change based on a variety of factors. On top of that, many cards have a floor rate that is already higher than our fixed rate cards, meaning there’s a good chance we can offer you a lower interest rate than you currently have on some of your cards.
2. Rewards/Perks. Most credit cards you see advertised come with additional perks to encourage use of the card, including cash back, flight miles, rewards points, and more. All Amherst FCU credit cardholders earn points with every new purchase from ScoreCard Rewards. Every $1.00 spent on qualifying transactions earns 1 point, which can be redeemed for a variety of gifts including merchandise or travel rewards. Points can also be used to “Redeem2Erase™” which allows you to “erase” certain transactions from your statement. When using “Redeem2Erase™” the ratio of points to dollars is 100:1, meaning 2,000 points equates to $20.00 being “erased” from your statement.
3. Support. All AFCU Visa credit cards come equipped with 24/7 fraud support that will contact you via text, call, or email to confirm suspicious transactions. On top of that, enjoy personalized service from our dedicated office staff for any questions or concerns.

Additional Tips:
Take advantage of our Visa Balance Transfer specials that we typically run at least once every year, which offer even lower discounted rates to transfer balances from cards held with other lenders.

Published January 1, 2026