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 11.49% variable (Low Rate Platinum) or 13.99% variable (Rewards Platinum); maximum 18% (rates as of July 6, 2026). Typical credit limit: Minimum credit limit $6,000. This product reports activity to your personal credit report.