The America First Credit Union is a business credit card from America First Credit Union. The annual fee is $0. The ongoing APR is 13.74%. Approval typically requires a credit score of 690-719 or higher. Rewards: 1 point per $1 spent; redeem points for cash, travel, merchandise and more at the online rewards store. Typical credit limit: $500–$50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Primary bureau pull: Equifax per myFICO community data.