Last Updated: 05/14/2026
1st Advantage Federal Credit Union Rewards Mastercard
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Last Updated: 05/14/2026
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Highlights
1st Advantage Federal Credit Union Rewards Mastercard Review
This is a rewards 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.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $100.
- APRs: 1st Advantage Federal Credit Union Rewards Mastercard has a variable regular purchase APR that ranges from 12.40% 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 up to 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of 1st Advantage Federal Credit Union Rewards Mastercard
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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.
| Description |
Does 1st Advantage Federal Credit Union Rewards Mastercard have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 .
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?
1st Advantage Federal Credit Union Rewards Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.1st Advantage Federal Credit Union Rewards Mastercard has a variable purchase APR that ranges from 12.40% up to 17.95%. The card has a variable balance transfer APR that ranges from 12.40% up to 17.95%. It also has a variable cash advance APR that ranges from 12.40% up to 17.95%.
Note that late payments are subject to an APR of 17.95% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for 1st Advantage Federal Credit Union Rewards Mastercard is (800) 359-7650.
What is the support contact email for 1st Advantage Federal Credit Union Rewards Mastercard?
The support contact email for 1st Advantage Federal Credit Union Rewards Mastercard is answers@1stadvantage.org.
How do people rate the customer service and user experience of 1st Advantage Federal Credit Union Rewards Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does 1st Advantage Federal Credit Union Rewards Mastercard report your account activity to credit bureaus?
Yes, 1st Advantage Federal Credit Union Rewards Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does 1st Advantage Federal Credit Union perform a hard credit pull?
Yes, 1st Advantage Federal Credit Union Rewards Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for 1st Advantage Federal Credit Union Rewards Mastercard
- Visit the website of 1st Advantage Federal Credit Union Rewards Mastercard.
- 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.
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