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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
Highlights
Balance Transfer APR  (Variable APR) 11.9% - 17.95%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 11.9% - 17.95%
Rewards Rates 1% on Every Purchase

1st Advantage Federal Credit Union Rewards Mastercard Review

1st Advantage Federal Credit Union Rewards Mastercard 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 is everything you need to know to make a good choice.

  • Up to 1% on every day purchases.
  • 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 of up to 17.95%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives 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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Earn rewards on every purchase.
  • 1st Advantage Federal Credit Union Rewards Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Access to a concierge.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 1%.

Is there a 1st Advantage Federal Credit Union Rewards Mastercard cash back or rewards program?

1st Advantage Federal Credit Union Rewards Mastercard offers a rewards program to its customers.

1st Advantage Federal Credit Union Rewards Mastercard Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
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, 1st Advantage Federal Credit Union Rewards Mastercard 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?

1st Advantage Federal Credit Union Rewards Mastercard 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
  • ID Theft Protection
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 1st Advantage Federal Credit Union Rewards Mastercard has lower than average purchase APRs.

1st Advantage Federal Credit Union Rewards Mastercard 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 introductory APR offer on balance transfers??

No, 1st Advantage Federal Credit Union Rewards Mastercard does not come with an introductory APR offer for balance transfers.

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

1st Advantage Federal Credit Union Rewards Mastercard does not offer an introductory rate on new purchases.

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

The following fees apply to 1st Advantage Federal Credit Union Rewards Mastercard:

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

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 a foreign transaction fee.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.
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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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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
Balance Transfer Fee % 0%
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
Card Type
  • Low Interest
  • Rewards
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Fraud Liability  
Credit Card Benefits
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
Rewards Rates
  • 1% on Every Purchase
Signup Bonus $100
Cash Advance APR (Variable APR) 11.9% - 17.95%
Purchase APR (Variable APR) 11.9% - 17.95%
Balance Computation average daily balance (including new purchases).
Balance Transfer APR (Variable APR) 11.9% - 17.95%

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1st Advantage Federal Credit Union Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

1st Advantage Federal Credit Union Standard Mastercard
Balance Transfer APR 9.50% - 17.95%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 9.50% - 17.95%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates
1st Advantage Federal Credit Union World Mastercard
Balance Transfer APR 14.74% - 17.95%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.74% - 17.95%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase