American 1 Rewards Credit Card

For People with
Fair Credit



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. A few benefits are included as well, such as Lost Luggage Reimbursement.

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.

Card Quick Facts

Card Quick Facts

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

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 1X ScoreCard Rewards point per dollar for all purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 9.49%–18.00% Variable
Intro Purchase APR -
Foreign Transaction Fee 1%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $20
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 9.49%–18.00% Variable
Balance Transfer Fee None
Cash Advances

Cash Advances

Cash Advance APR 9.49%–18.00% Variable
Cash Advance Fee None

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Zero Liability Protection

    You won’t be held responsible for unauthorized charges. Contact customer support immediately if you suspect fraud.

  • Lost Luggage Reimbursement

    Provides coverage if your bags are lost when traveling by common carrier.

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