Last Updated: 07/28/2025
Credit Human Federal Credit Union Spurs Rewards Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.65% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
5.90% - 11.90%(Verified 06/21/2024)
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Credit Score Range
300 - 500
Annual Fee
N/A
Credit Human Federal Credit Union Spurs Rewards Mastercard Review
This is a cashback credit card issued by Credit Human Federal Credit Union. If you're wondering whether Credit Human Federal Credit Union Spurs Rewards Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Credit Human Federal Credit Union Spurs Rewards Mastercard has a variable regular purchase APR that ranges from 12.65% up to 17.99%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.10% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Credit Human Federal Credit Union Spurs Rewards Mastercard
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Credit Human Federal Credit Union Spurs Rewards Mastercard FAQ
Does Credit Human Federal Credit Union Spurs Rewards Mastercard have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Credit Human Federal Credit Union Spurs Rewards Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Credit Human Federal Credit Union Spurs Rewards Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Credit Human Federal Credit Union Spurs Rewards Mastercard benefits?
Credit Human Federal Credit Union Spurs Rewards Mastercard provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Price Protection
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Credit Human Federal Credit Union Spurs Rewards Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Credit Human Federal Credit Union Spurs Rewards Mastercard has a variable purchase APR that ranges from 12.65% up to 17.99%. The card has a variable balance transfer APR that ranges from 5.90% up to 11.90%. It also has a variable cash advance APR that ranges from 12.65% up to 17.99%.
Does Credit Human Federal Credit Union Spurs Rewards Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Credit Human Federal Credit Union Spurs Rewards Mastercard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.90% on qualified purchases for a period of 6 months.
What are the fees for Credit Human Federal Credit Union Spurs Rewards Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Credit Human Federal Credit Union Spurs Rewards Mastercard have a foreign transaction fee?
Credit Human Federal Credit Union Spurs Rewards Mastercard charges a foreign transaction fee of up to 1.10%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. 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 Credit Human Federal Credit Union Spurs Rewards Mastercard?
The customer service number for Credit Human Federal Credit Union Spurs Rewards Mastercard is .
What is the support contact email for Credit Human Federal Credit Union Spurs Rewards Mastercard?
The support contact email for Credit Human Federal Credit Union Spurs Rewards Mastercard is memberservicecenter@credithuman.com.
What is the login page for Credit Human Federal Credit Union Spurs Rewards Mastercard?
You can access the login page of Credit Human Federal Credit Union Spurs Rewards Mastercard here.
How do people rate the customer service and user experience of Credit Human Federal Credit Union Spurs Rewards Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit Human Federal Credit Union Spurs Rewards Mastercard report your account activity to credit bureaus?
Yes, Credit Human Federal Credit Union Spurs Rewards Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does Credit Human Federal Credit Union perform a hard credit pull?
Yes, Credit Human Federal Credit Union Spurs Rewards Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit Human Federal Credit Union Spurs Rewards Mastercard
- Visit the website of Credit Human Federal Credit Union Spurs Rewards Mastercard.
- 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.
View Credit Human Federal Credit Union Spurs Rewards Mastercard's published terms & conditions
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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.
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
Closed