| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
This card functions strictly as a credit-building product and does not participate in the America First rewards or cash back programs.
|
0x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Chip-Enabled Security
Card includes EMV chip technology for added security at point-of-sale transactions.
|
Financial | Complimentary |
|
Credit-Building Tool
Spending limit is tied to and secured by funds held in a savings account, allowing members with limited or damaged credit history to build or rebuild credit through responsible use.
|
Financial | — |
|
No Annual Fee
The Secured Visa carries no annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
Personalized Card Design
Picture Perfect lets cardholders create a custom card design using a photo of their choice.
|
Lifestyle | Complimentary |
|
Local Discounts
Cardholders have access to local merchant discount offers through America First's Visa cardholder benefits program.
|
Other | — |
|
Card Guard Mobile Security
Free mobile app feature allowing cardholders to turn their card on/off, set spending limits, restrict transactions by geography or merchant, and receive real-time usage notifications.
|
Security | Complimentary |
|
Identity Theft Recovery Services
Access to identity theft recovery support services for cardholders affected by identity theft.
|
Security | Complimentary |
|
Zero Liability / Unauthorized Use Protection
Cardholders are not held responsible for unauthorized purchases made on their card, whether due to loss, theft, or fraud.
|
Security | Complimentary |
|
Travel Emergency Assistance
Cardholders can call a 24/7 Visa assistance line for pre-trip help, including required immunization information for destinations, plus emergency travel services.
|
Travel | Complimentary |
