The America First Credit Union Good Credit is a personal credit card from America First Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is As low as 13.99% variable (Unlimited 1% Cash Back Signature) or 17.99% variable (Unlimited 1.5% Cash Back Signature); maximum 18% (rates as of July 6, 2026) after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Signup bonus: Earn 20,000 bonus points after your first purchase. Rewards: Choose 1% or 1.5% cash back on every purchase; redeem points for merchandise or travel. Cash back: 1.5%. Typical credit limit: $500-$25,000. This product reports activity to your personal credit report.