Last Updated: 07/28/2025
Founders FCU Life Rewards Mastercard®
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
14.75% - 17.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.75% - 17.90%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Founders FCU Life Rewards Mastercard® Review
This is a rewards card issued by Founders Federal Credit Union. If you're wondering whether Founders FCU Life Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- APRs: Founders FCU Life Rewards Mastercard® has a variable regular purchase APR that ranges from 14.75% up to 17.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , 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% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Founders FCU Life Rewards Mastercard
| The Good | The Bad |
|
|
Founders FCU Life Rewards Mastercard FAQ
Does Founders FCU Life Rewards Mastercard have a cash back or rewards program?
Founders FCU Life Rewards Mastercard is a rewards card.
| Description |
Does Founders FCU Life Rewards Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Founders FCU Life Rewards Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Founders FCU Life Rewards Mastercard benefits?
Founders FCU Life Rewards Mastercard® provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Founders FCU Life 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.Founders FCU Life Rewards Mastercard® has a variable purchase APR that ranges from 14.75% up to 17.90%. The card has a variable balance transfer APR that ranges from 14.75% up to 17.90%. It also has a variable cash advance APR that ranges from 14.75% 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 Life Rewards Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.75% - 17.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Founders FCU Life Rewards 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 Life Rewards Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 rewards card.
Does Founders FCU Life Rewards Mastercard have a foreign transaction fee?
Founders FCU Life Rewards Mastercard charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Founders FCU Life Rewards Mastercard?
The customer service number for Founders FCU Life Rewards Mastercard is (800) 845-1614.
What is the support contact email for Founders FCU Life Rewards Mastercard?
The support contact email for Founders FCU Life Rewards Mastercard is info@foundersfcu.com.
What is the login page for Founders FCU Life Rewards Mastercard?
You can access the login page of Founders FCU Life Rewards Mastercard here.
How do people rate the customer service and user experience of Founders FCU Life Rewards Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Founders FCU Life Rewards Mastercard® report your account activity to credit bureaus?
Yes, Founders FCU Life 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 Founders Federal Credit Union perform a hard credit pull?
Yes, Founders FCU Life 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 Founders FCU Life Rewards Mastercard
- Visit the website of Founders FCU Life 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.
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
Invalid DateTime - 5:00PM
Tuesday
Invalid DateTime - 5:00PM
Wednesday
Invalid DateTime - 5:00PM
Thursday
Invalid DateTime - 5:00PM
Friday
Invalid DateTime - 6:00PM
Saturday
Closed