America First Credit Union Signature 1% Cash Back
America First Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of America First Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The America First Credit Union Signature 1% Cash Back from America First Credit Union earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the America First Credit Union Signature 1% Cash Back earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how America First Credit Union Signature 1% Cash Back compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how America First Credit Union Signature 1% Cash Back compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the America First Credit Union Signature 1% Cash Back?
The America First Credit Union Signature 1% Cash Back fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
America First Credit Union Signature 1% Cash Back fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $1 foreign transaction fees.
Does the America First Credit Union Signature 1% Cash Back have an annual fee?
The America First Credit Union Signature 1% Cash Back has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the America First Credit Union Signature 1% Cash Back?
The America First Credit Union Signature 1% Cash Back includes 24-hour roadside dispatch, Booking.com, Collision & theft coverage in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Travel accident insurance
$3,000/yrStay connected to the appropriate local emergency and assistance resources when you are away from home. There is no additional charge for this service that provides referrals for medical assistance, legal assistance, emergency transportation assistance, translation services, and more.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Collision & theft coverage
$25/yrGet automatic insurance coverage for auto rentals made with your Visa® Signature credit card at no extra cost. This covers things such as physical damage, theft, or towing charges for most situations. The reimbursement can cover up to the actual cash value for most rental vehicles.
Personalized trip assistance
$25/yrYour Visa Signature comes with complimentary concierge services for your next business trip or vacation. The concierge can help you book a hotel room, give tips on the best place to eat or find tickets to local events.
Warranty registration & extended coverage
$25/yrThis benefit can help you manage, use and extend the warranties of eligible items purchased with your Visa® Signature card. Warranty registration saves you time when you need a repair or replacement. Extended warranties can increase the products purchased with your covered account for up to three years.
24-hour roadside dispatch
$10/yrThis roadside dispatch program gives peace of mind in emergency situations. This pay-per-use program requires no membership and there's no annual cost. It includes assistance for standard towing, tire changes, jump starting, lockouts, and fuel delivery, among other services, just for having a Visa® Signature credit card.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Related encyclopedia topics
Common questions about the America First Credit Union Signature 1% Cash Back
What is the number one cash back credit card?
Dining is the strongest Madeen category for the America First Credit Union Signature 1% Cash Back at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the America First Credit Union Signature 1% Cash Back have an annual fee?
The America First Credit Union Signature 1% Cash Back carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the America First Credit Union Signature 1% Cash Back?
Dining is the strongest Madeen category for the America First Credit Union Signature 1% Cash Back at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the America First Credit Union Signature 1% Cash Back charge foreign transaction fees?
The America First Credit Union Signature 1% Cash Back charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the America First Credit Union Signature 1% Cash Back?
Madeen's catalog lists a typical credit range of Good for the America First Credit Union Signature 1% Cash Back. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the America First Credit Union Signature 1% Cash Back?
Rewards on the America First Credit Union Signature 1% Cash Back post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the America First Credit Union Signature 1% Cash Back compare to similar cards?
Compare the America First Credit Union Signature 1% Cash Back against America First Credit Union Signature 1.5% Cash Back (1.5% on Dining, $0 fee); America First Credit Union Classic Flat 1% Cash Back (1% on Dining, $0 fee); America First Credit Union Classic Rewards (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
America First Credit Union Signature 1% Cash Back This card | Dining | 1% | $0 |
America First Credit Union | Dining | 1.5% | $0 |
America First Credit Union | Dining | 1% | $0 |
America First Credit Union | Dining | 1% | $0 |
America First Credit Union | Dining | 1% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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America First Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of America First Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure