Last Updated: 07/28/2025
Interra Credit Union Standard Mastercard Credit Card
Unaffiliated
in Credit Cards from Interra Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
8.25% - 18.25%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
8.25% - 18.25%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Interra Credit Union Standard Mastercard Credit Card Review
This is a card issued by Interra Credit Union. If you're wondering whether Interra Credit Union Standard Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Interra Credit Union Standard Mastercard Credit Card has a variable regular purchase APR that ranges from 8.25% up to 18.25%.
- 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.
- A 2% balance transfer fee. Interra Credit Union Standard Mastercard Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Interra Credit Union Standard Mastercard Credit Card
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Interra Credit Union Standard Mastercard Credit Card FAQ
Does Interra Credit Union Standard Mastercard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Interra Credit Union Standard Mastercard 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.Interra Credit Union Standard Mastercard Credit Card has a variable purchase APR that ranges from 8.25% up to 18.25%. The card has a variable balance transfer APR that ranges from 8.25% up to 18.25%. It also has a variable cash advance APR that ranges from 8.25% up to 18.25%.
Does Interra Credit Union Standard Mastercard Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 8.25% - 18.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Interra Credit Union Standard Mastercard Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Interra Credit Union Standard Mastercard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Interra Credit Union Standard Mastercard Credit Card have a foreign transaction fee?
Interra Credit Union Standard Mastercard Credit Card 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 Interra Credit Union Standard Mastercard Credit Card?
The customer service number for Interra Credit Union Standard Mastercard Credit Card is (888) 432-2848.
What is the support contact email for Interra Credit Union Standard Mastercard Credit Card?
The support contact email for Interra Credit Union Standard Mastercard Credit Card is msg@interracu.com.
What is the login page for Interra Credit Union Standard Mastercard Credit Card?
You can access the login page of Interra Credit Union Standard Mastercard Credit Card here.
How do people rate the customer service and user experience of Interra Credit Union Standard Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Interra Credit Union Standard Mastercard Credit Card report your account activity to credit bureaus?
Yes, Interra Credit Union Standard Mastercard 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 Interra Credit Union perform a hard credit pull?
Yes, Interra Credit Union Standard Mastercard 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 Interra Credit Union Standard Mastercard Credit Card
- Visit the website of Interra Credit Union Standard Mastercard 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.
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