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American 1 Rewards Credit Card

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This American 1 Visa card has no annual, balance transfer, or cash advance fees and offers an Instant Issue card printing service. Rather than waiting for it in the mail, members can have their activated card instantly printed for them at branch locations.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 9.49%–18.00% Variable

American 1 Rewards Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 1X ScoreCard Rewards point per dollar for all purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 9.49%–18.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $20
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee 1%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 9.49%–18.00% Variable
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • Lost Luggage Reimbursement
American 1 Rewards Credit Card


  • 1X ScoreCard Rewards point per dollar for all purchases
  • Lost Luggage Reimbursement
  • No balance transfer fee
  • No cash advance fee
  • No annual fee

American 1 Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The American 1 Rewards Credit Card, issued by the American 1 Credit Union, offers a potentially low rate for qualified applicants.

The APR for purchases, balance transfers, and cash advances will be 9.49%–18.00% Variable, depending on creditworthiness. You may or may not qualify for a fixed rate.

Cardholders will earn 1X ScoreCard Rewards point per dollar for every purchase.

There are over 100 card designs to choose from. If you pick a design that’s designated to a particular charity, 100% of your card fees will be donated to that charity.

This card has no annual fee, no balance transfer fee, and no cash advance fee.

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