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
Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 3.99%. No balance transfer fee. No annual fee. Identity Theft Protection. 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.

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:

• 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 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%.

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 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.