Credit union · NCUA insured
American Airlines Federal Credit Union Credit Card Rates
Top CarrotAmerican Airlines Federal Credit Union credit cards start at 10.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How American Airlines Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where American Airlines Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
American Airlines Federal Credit Union
10.50%APR
- Up to
- 18.00% APR
Visa Platinum Low Rate
Lowest rate
Service 1st Credit Union
6.00%APR
- Up to
- —
2nd-lowest rate
Unity One Credit Union
8.90%APR
- Up to
- —
American Airlines Federal Credit Union credit card score
81
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American Airlines Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Low Rate
No annual fee; 1% foreign transaction fee; credit limit $500 to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.50%–18.00% | None | Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate. |
| Intro, 9 months | 1.90% | None | Introductory APR for balance transfers for 9 months for transactions posted between 07/01/2026 and 09/30/2026; existing balances on American Airlines Federal Credit Union loan or credit card accounts are not eligible; after introductory period, APR reverts to 10.50% - 18.00% based on creditworthiness. |
Visa Platinum Rewards
No annual fee; no foreign transaction fees; credit limit $500 to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00%–17.74% | None | Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate. |
| Intro, 9 months | 1.90% | None | Introductory APR for balance transfers for 9 months for transactions posted between 07/01/2026 and 09/30/2026; existing balances on American Airlines Federal Credit Union loan or credit card accounts are not eligible; after introductory period, APR reverts to 12.00% - 17.74% based on creditworthiness. |
Visa Platinum Secured
Requires securing $250 to $5,000 in a premium dividend-bearing savings account; no annual fee; 1% foreign transaction fee; credit limit $250 to $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74% | None | Variable APR for purchases and cash advances based on the Prime Rate. |
| Intro, 9 months | 1.90% | None | Introductory APR for balance transfers for 9 months for transactions posted between 07/01/2026 and 09/30/2026; existing balances on American Airlines Federal Credit Union loan or credit card accounts are not eligible; after introductory period, APR reverts to 15.74%. |
Visa Platinum Starter Rewards
Available to members with a limited credit history / first-time cardholders as our Starter Card with a lower line of credit limit. No annual fee; no foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.74% | None | Available to members with a limited credit history as our Starter Card with an APR of 17.74%. |
Sources (2)
All captured Oct 16, 2026
Visa Signature Cash Back
No annual fee; no foreign transaction fees; credit limit $5,000 to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25%–16.25% | None | Variable APR for purchases and cash advances based on creditworthiness and the Prime Rate. |
| Intro, 9 months | 1.90% | None | Introductory APR for balance transfers for 9 months for transactions posted between 07/01/2026 and 09/30/2026; existing balances on American Airlines Federal Credit Union loan or credit card accounts are not eligible; after introductory period, APR reverts to 14.25% - 16.25% based on creditworthiness. |
Who can join American Airlines Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or retirees of American Airlines Group (consisting of American Airlines, Envoy, Piedmont and PSA Airlines) are eligible for membership.
- Active or retired employees who work directly in the air transportation industry (such as airline employees) are eligible for membership, subject to specified industry exclusions.
- Employees of companies that have a strong dependency relationship with airlines or airports who work directly with specified air transportation support services are eligible for membership.
- Volunteers in the air transportation industry are eligible for membership.
Military, government and schools
- Employees or retirees who work directly in administration, regulation, or security of airlines, airports, or air transportation (such as TSA, FAA, and other aviation regulation or security agencies) are eligible for membership.
- Students, trainees, and flight instructors in FAA certification programs to support commercial aviation in the Air Transportation Industry are eligible for membership.
1 more way to join
Family and household
- Immediate family members (spouse, children, parents, siblings, grandparents, grandchildren) and household members sharing the same physical address can be sponsored for membership by a Credit Union member.
Cost to join
- Opening membership requires a $5 share deposit in a savings account.
- Opening membership requires a one-time membership fee of $1.
Membership information collected October 5, 2026.