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  1st Advantage Federal Credit Union Rewards Mastercard

1st Advantage Federal Credit Union Rewards Mastercard

in Personal Credit Cards from 1st Advantage Federal Credit Union

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1st Advantage Federal Credit Union Rewards Mastercard

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in Personal Credit Cards from 1st Advantage Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 11.9% - 17.95%
Balance Transfer APR  (Variable APR) 11.9% - 17.95%
Credit Score Range 700 - 850
Annual Fee $0

1st Advantage Federal Credit Union Rewards Mastercard Review

This is a rewards credit card issued by 1st Advantage Federal Credit Union. If you're wondering whether 1st Advantage Federal Credit Union Rewards Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $100 if you spend $2000 within 3 months.
  • Competitive APRs. 1st Advantage Federal Credit Union Rewards Mastercard has a variable purchase APR that ranges from 11.9% up to 17.95%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of 1st Advantage Federal Credit Union Rewards Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere 1st Advantage Federal Credit Union Rewards Mastercard is accepted.
  • 1st Advantage Federal Credit Union Rewards Mastercard reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 1%.
1st Advantage Federal Credit Union Rewards Mastercard FAQ

Does 1st Advantage Federal Credit Union Rewards Mastercard have a cash back or rewards program?

1st Advantage Federal Credit Union Rewards Mastercard is a rewards card.

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1st Advantage Federal Credit Union Rewards Mastercard Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus ($) $100
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months

Does 1st Advantage Federal Credit Union Rewards Mastercard have a signup bonus?

Yes, it offers card users a signup bonus worth up to $100 after spending $2000.

Does 1st Advantage Federal Credit Union Rewards Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the 1st Advantage Federal Credit Union Rewards Mastercard benefits?

It provides the following benefits:

  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for 1st Advantage Federal Credit Union Rewards Mastercard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.9% up to 17.95%. The card has a variable balance transfer APR that ranges from 11.9% up to 17.95%. It also has a variable cash advance APR that ranges from 11.9% up to 17.95%.

Does 1st Advantage Federal Credit Union Rewards Mastercard have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does 1st Advantage Federal Credit Union Rewards Mastercard have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for 1st Advantage Federal Credit Union Rewards Mastercard?

The following fees apply:

1st Advantage Federal Credit Union Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $28
Late Payment Fee up to $28

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does 1st Advantage Federal Credit Union Rewards Mastercard have a foreign transaction fee?

1st Advantage Federal Credit Union Rewards Mastercard charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for 1st Advantage Federal Credit Union Rewards Mastercard?

The 1st Advantage Federal Credit Union Rewards Mastercard customer service number is (800) 359-7650.

Does 1st Advantage Federal Credit Union Rewards Mastercard report your account activity to credit bureaus?

Yes, 1st Advantage Federal Credit Union Rewards Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for 1st Advantage Federal Credit Union Rewards Mastercard

  • Visit the 1st Advantage Federal Credit Union Rewards Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

View 1st Advantage Federal Credit Union Rewards Mastercard's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 1:00pm

About 1st Advantage Federal Credit Union Rewards Mastercard

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View all personal credit cards offered by 1st Advantage Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee (%) 0%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $28
Late Fee Amount Up to $28
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Rates
  • Every Purchase
Signup Bonus Starting at $100
Cash Advance APR (Variable APR) 11.9% - 17.95%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 11.9% - 17.95%
Balance Transfer APR (Variable APR) 11.9% - 17.95%
Balance Transfer Fee % 0%
Card Type
  • Low Interest
  • Rewards
Card Network Mastercard

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