1st Advantage Federal Credit Union Standard Mastercard
in Personal Credit Cards from 1st Advantage Federal Credit Union
Unaffiliated1st Advantage Federal Credit Union Standard Mastercard
in Personal Credit Cards from 1st Advantage Federal Credit Union
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| 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.
- 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.
| The Good | The Bad |
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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.
| 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.
| 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:
| 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?
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 can 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.
Contact
- Headquarters
-
1st Advantage Federal Credit Union
PO Box 2116
Newport News, VA 23609 - (800) 359-7650
- Visit Site
About 1st Advantage Federal Credit Union Standard Mastercard
Availability
- 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 |
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