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  Mission FCU Preferred Rewards Mastercard
Mission FCU Preferred Rewards Mastercard Unaffiliated

Mission FCU Preferred Rewards Mastercard

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Highlights
Purchase APR  (Variable APR) 10.9 - 17.9
Balance Transfer APR  (Variable APR) 12.9 - 17.9
Credit Score Range 600 - 850
Annual Fee $0

Mission FCU Preferred Rewards Mastercard Review

This is a cashback credit card issued by Mission Federal Credit Union. If you're wondering whether Mission FCU Preferred Rewards Mastercard is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 3 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 3 months.
  • Competitive APRs. Mission FCU Preferred Rewards Mastercard has a variable purchase APR that ranges from 10.9% up to 17.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. Mission FCU Preferred Rewards Mastercard charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $2.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Mission FCU Preferred Rewards Mastercard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 3 months.
  • 0% APR on new purchases during the first 3 months. There is then a variable purchase APR that ranges from 10.9% up to 17.9%.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Mission FCU Preferred Rewards Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.

Mission FCU Preferred Rewards Mastercard FAQ

Does Mission FCU Preferred 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.

Mission FCU Preferred Rewards Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Mission FCU Preferred Rewards Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Mission FCU Preferred Rewards Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Mission FCU Preferred Rewards Mastercard benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Mission FCU Preferred Rewards Mastercard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Mission FCU Preferred Rewards Mastercard has a variable purchase APR that ranges from 10.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 12.9% up to 17.9%. It also has a variable cash advance APR that ranges from 12.9% up to 17.9%.

Does Mission FCU Preferred Rewards Mastercard have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 3 months.

Mission FCU Preferred Rewards Mastercard Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 2
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 3 months
Balance Transfer APR 12.9 - 17.9
Balance Transfer Fee Minimum 2
Balance Transfer Fee % 2

Does Mission FCU Preferred Rewards Mastercard have an intro APR offer on new purchases?

Mission FCU Preferred Rewards Mastercard Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 3 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 3 months.

What are the fees for Mission FCU Preferred Rewards Mastercard?

The following fees apply:

Mission FCU Preferred Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $22
Late Payment Fee $25 - $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Mission FCU Preferred Rewards Mastercard have a foreign transaction fee?

Mission FCU Preferred Rewards Mastercard charges a foreign transaction fee of 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 Mission FCU Preferred Rewards Mastercard?

The Mission FCU Preferred Rewards Mastercard customer service number is (858) 524-2850.

What is the support contact email for Mission FCU Preferred Rewards Mastercard?

The support contact email for Mission FCU Preferred Rewards Mastercard is membercare@missionfed.com.

What is the Mission FCU Preferred Rewards Mastercard login page?

You can access the Mission FCU Preferred Rewards Mastercard login page here.

How do people rate the customer service and user experience of Mission FCU Preferred Rewards Mastercard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Mission FCU Preferred Rewards Mastercard report your account activity to credit bureaus?

Yes, Mission FCU Preferred Rewards Mastercard reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Mission FCU Preferred Rewards Mastercard

  • Visit the Mission FCU Preferred Rewards Mastercard website.
  • 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00am
  • Tuesday 9:00am - 4:00am
  • Wednesday 9:00am - 4:00am
  • Thursday 9:00am - 4:00am
  • Friday 9:00am - 4:00am
  • Saturday 9:00am - 1:00am

About Mission FCU Preferred Rewards Mastercard

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View all credit cards offered by Mission Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 3 months
Cash Advance Fee Minimum 2
Cash Advance Fee (%) Starting at 2
Minimum Cash Advance Fee ($) Starting at 2
Foreign Currency Transaction Fee 1
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to 22
Late Fee Amount 25 - 35
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type Cash Back
Cash Advance APR (Variable APR) 12.9 - 17.9
APR Type Variable APR
Balance Computation Average Daily Balance
Purchase APR (Variable APR) 10.9 - 17.9
Balance Transfer Fee % After Intro Period Starting at 2
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 3 months
Balance Transfer APR (Variable APR) 12.9 - 17.9
Balance Transfer Fee Minimum 2
Balance Transfer Fee % 2
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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