Last Updated: 07/28/2025
First Watch Credit Union Mastercard Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
12.90%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
12.90%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
First Watch Credit Union Mastercard Classic Credit Card Review
This is a card issued by First Watch Credit Union. If you're wondering whether First Watch Credit Union Mastercard Classic Credit Card is the right card for you, read on.
Key Takeaways
- APRs: First Watch Credit Union Mastercard Classic Credit Card has a fixed purchase APR of 12.90%
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.0% every time you make a transaction outside the U.S.
Pros & Cons of First Watch Credit Union Mastercard Classic Credit Card
| The Good | The Bad |
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First Watch Credit Union Mastercard Classic Credit Card FAQ
Does First Watch Credit Union Mastercard Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Watch Credit Union Mastercard Classic Credit Card?
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.First Watch Credit Union Mastercard Classic Credit Card has a fixed purchase APR of 12.90%. The card has a fixed balance transfer APR of 12.90% . It also has a fixed cash advance APR of 12.90% .
Does First Watch Credit Union Mastercard Classic Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does First Watch Credit Union Mastercard Classic Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Watch Credit Union Mastercard Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does First Watch Credit Union Mastercard Classic Credit Card have a foreign transaction fee?
First Watch Credit Union Mastercard Classic Credit Card charges a foreign transaction fee of up to 1.0%. 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 First Watch Credit Union Mastercard Classic Credit Card?
The customer service number for First Watch Credit Union Mastercard Classic Credit Card is (325) 670-2429.
What is the support contact email for First Watch Credit Union Mastercard Classic Credit Card?
The support contact email for First Watch Credit Union Mastercard Classic Credit Card is memberservices@myfwcu.org.
How do people rate the customer service and user experience of First Watch Credit Union Mastercard Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Watch Credit Union Mastercard Classic Credit Card report your account activity to credit bureaus?
Yes, First Watch Credit Union Mastercard Classic Credit Card 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 First Watch Credit Union perform a hard credit pull?
Yes, First Watch Credit Union Mastercard Classic Credit Card 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 First Watch Credit Union Mastercard Classic Credit Card
- Visit the website of First Watch Credit Union Mastercard Classic Credit Card.
- 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.
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by First Watch Credit Union
Other Credit Cards from First Watch Credit Union
Rating not yet determined
Purchase APR
9.90%
Disclaimer popup with additional information
Balance Transfer APR
9.90%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
13.90%
Disclaimer popup with additional information
Balance Transfer APR
13.90%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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