1st Advantage Federal Credit Union Standard Mastercard
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| Purchase APR (Variable APR) |
10.00% - 17.95% (Verified 09/07/2022) |
| Balance Transfer APR (Variable APR) |
10.00% - 17.95% (Verified 09/07/2022) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
1st Advantage Federal Credit Union Standard Mastercard Review
This 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.
Key Takeaways
- Competitive APRs. 1st Advantage Federal Credit Union Standard Mastercard has a variable purchase APR that ranges from 10.00% 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 will have good approval odds if your credit score is above 650.
Pros & Cons of 1st Advantage Federal Credit Union Standard Mastercard
| The Good | The Bad |
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1st Advantage Federal Credit Union Standard Mastercard FAQ
Does 1st Advantage Federal Credit Union Standard Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
What are the 1st Advantage Federal Credit Union Standard Mastercard benefits?
It provides the following benefits:
- Zero fraud liability
- 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.1st Advantage Federal Credit Union Standard Mastercard has a variable purchase APR that ranges from 10.00% up to 17.95%. The card has a variable balance transfer APR that ranges from 10.00% up to 17.95%. It also has a variable cash advance APR that ranges from 10.00% up to 17.95%.
Does 1st Advantage Federal Credit Union Standard Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 3.99% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 3.99% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 10.00% - 17.95% |
| Balance Transfer Fee % | 0% |
Does 1st Advantage Federal Credit Union Standard Mastercard have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 3.99% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 3.99% on qualified purchases for a period of up to 6 months.
What are the fees for 1st Advantage Federal Credit Union Standard Mastercard?
The following fees apply:
| 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 card.
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 foreign transaction fees.What is the customer service phone number for 1st Advantage Federal Credit Union Standard Mastercard?
The 1st Advantage Federal Credit Union Standard Mastercard customer service number is (800) 359-7650.
What is the support contact email for 1st Advantage Federal Credit Union Standard Mastercard?
The support contact email for 1st Advantage Federal Credit Union Standard Mastercard is answers@1stadvantage.org.
What is the 1st Advantage Federal Credit Union Standard Mastercard login page?
You can access the 1st Advantage Federal Credit Union Standard Mastercard login page here.
How do people rate the customer service and user experience of 1st Advantage Federal Credit Union Standard Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1st Advantage Federal Credit Union
PO Box 2116
Newport News, VA 23609 USA - (800) 359-7650
- Visit Site
- Email Support
About 1st Advantage Federal Credit Union Standard Mastercard
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- 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
Feature Breakdown
| Introductory Rate | 3.99% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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