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  1st Advantage Federal Credit Union Standard Mastercard

1st Advantage Federal Credit Union Standard Mastercard

in Personal Credit Cards from 1st Advantage Federal Credit Union

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1st Advantage Federal Credit Union Standard Mastercard

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in Personal Credit Cards from 1st Advantage Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.50% - 17.95%
Balance Transfer APR  (Variable APR) 9.50% - 17.95%
Credit Score Range 650 - 850
Annual Fee $0

1st Advantage Federal Credit Union Standard Mastercard Review

1st Advantage Federal Credit Union Standard Mastercard is a credit card issued by 1st Advantage Federal Credit Union. If you're wondering whether 1st Advantage Federal Credit Union Standard Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. 1st Advantage Federal Credit Union Standard Mastercard has a variable purchase APR that ranges from 9.50% up to 17.95%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
1st Advantage Federal Credit Union Standard Mastercard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • No annual fee.
  • 1st Advantage Federal Credit Union Standard Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
1st Advantage Federal Credit Union Standard Mastercard FAQ

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

No, 1st Advantage Federal Credit Union Standard Mastercard does not offer a rewards program.

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

1st Advantage Federal Credit Union Standard Mastercard provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for 1st Advantage Federal Credit Union Standard 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 Standard Mastercard has lower than average purchase APRs.

1st Advantage Federal Credit Union Standard Mastercard has a variable purchase APR that ranges from 9.50% up to 17.95%. The card has a variable balance transfer APR that ranges from 9.50% up to 17.95%. It also has a variable cash advance APR that ranges from 9.50% up to 17.95%.

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

Yes, 1st Advantage Federal Credit Union Standard Mastercard offers an introductory APR rate on balance transfers of 3.99% for a period of up to 6 months.

1st Advantage Federal Credit Union Standard Mastercard Balance Transfers
Description
Balance Transfer APR 9.50% - 17.95%
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 0%
Balance Transfer Fee Minimum N/A

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

This card does offer an introductory APR rate of 3.99% on qualified purchases for a period of up to 6 months.

1st Advantage Federal Credit Union Standard Mastercard Purchase Intro Offer
Description
Introductory Rate 3.99%
Purchase Intro APR Period (months) 6

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

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

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

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

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

Yes, 1st Advantage Federal Credit Union Standard 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 Standard Mastercard

  • Visit the 1st Advantage Federal Credit Union Standard 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 Standard 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 Standard Mastercard

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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

Introductory Rate 3.99%
Purchase Intro APR Period (Variable APR) 6 months
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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Cash Advance APR (Variable APR) 9.50% - 17.95%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 9.50% - 17.95%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.50% - 17.95%
Balance Transfer Fee % 0%
Card Type Low Interest
Card Network Mastercard

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