The America First Credit Union Visa Signature Good Credit is a personal credit card from America First Credit Union Visa Signature. The annual fee is $0. The ongoing APR is 13.99%-22.99% 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: 1.5% cash back on all purchases. Cash back: 1.5%. Typical credit limit: $500-$25,000.