Last Updated: 07/28/2025
Founders FCU Essential Mastercard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.75% - 17.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.75% - 17.90%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Founders FCU Essential Mastercard® Review
This is a card issued by Founders Federal Credit Union. If you're wondering whether Founders FCU Essential Mastercard® is the right card for you, read on.
Key Takeaways
- APRs: Founders FCU Essential Mastercard® has a variable regular purchase APR that ranges from 12.75% up to 17.90%.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Founders FCU Essential Mastercard
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Founders FCU Essential Mastercard FAQ
Does Founders FCU Essential Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Founders FCU Essential 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.Founders FCU Essential Mastercard® has a variable purchase APR that ranges from 12.75% up to 17.90%. The card has a variable balance transfer APR that ranges from 12.75% up to 17.90%. It also has a variable cash advance APR that ranges from 12.75% up to 17.90%.
Note that late payments are subject to an APR of 17.90% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Founders FCU Essential Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 5% for a period of 6 months.
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| Balance Transfer APR | 12.75% - 17.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Founders FCU Essential Mastercard 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 Founders FCU Essential Mastercard?
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| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Founders FCU Essential Mastercard?
The customer service number for Founders FCU Essential Mastercard is (800) 845-1614.
What is the support contact email for Founders FCU Essential Mastercard?
The support contact email for Founders FCU Essential Mastercard is info@foundersfcu.com.
What is the login page for Founders FCU Essential Mastercard?
You can access the login page of Founders FCU Essential Mastercard here.
How do people rate the customer service and user experience of Founders FCU Essential Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Founders FCU Essential Mastercard® report your account activity to credit bureaus?
Yes, Founders FCU Essential 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 Founders Federal Credit Union perform a hard credit pull?
Yes, Founders FCU Essential 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 Founders FCU Essential Mastercard
- Visit the website of Founders FCU Essential 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.
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