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  South Carolina FCU Mastercard Cash Rewards
South Carolina FCU Mastercard Cash Rewards
in Credit Cards from South Carolina Federal Credit Union
Unaffiliated

South Carolina FCU Mastercard Cash Rewards

Unaffiliated
in Credit Cards from South Carolina Federal Credit Union
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Highlights
Purchase APR  (Variable APR) 14.99% - 17.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 14.99% - 17.99%
(Verified 08/04/2023)
Credit Score Range 650 - 850
Annual Fee $0

South Carolina FCU Mastercard Cash Rewards Review

This is a rewards card issued by South Carolina Federal Credit Union. If you're wondering whether South Carolina FCU 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 6 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 6 months.
  • Competitive APRs. South Carolina FCU Mastercard Cash Rewards has a variable purchase APR that ranges from 14.99% up to 17.99%.
  • 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.
  • 3% Balance transfer fee. South Carolina FCU Mastercard Cash Rewards charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% 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, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of South Carolina FCU Mastercard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 14.99% up to 17.99%.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere South Carolina FCU Mastercard Cash Rewards is accepted.
  • South Carolina FCU Mastercard Cash Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee

South Carolina FCU Mastercard FAQ

Does South Carolina FCU Mastercard have a cash back or rewards program?

South Carolina FCU Mastercard is a rewards card.

South Carolina FCU Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does South Carolina FCU Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does South Carolina FCU Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the South Carolina FCU Mastercard benefits?

It provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Reports to major credit bureaus

What are the relevant APRs for South Carolina FCU 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.

South Carolina FCU Mastercard Cash Rewards has a variable purchase APR that ranges from 14.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 17.99%. It also has a variable cash advance APR that ranges from 14.99% up to 17.99%.

Does South Carolina FCU 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 6 months.

South Carolina FCU Mastercard Cash Rewards Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 14.99% - 17.99%
Balance Transfer Fee % 3%

Does South Carolina FCU Mastercard have an intro APR offer on new purchases?

South Carolina FCU Mastercard Cash Rewards Purchase Intro Offer
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 up to 6 months.

What are the fees for South Carolina FCU Mastercard?

The following fees apply:

South Carolina FCU Mastercard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 2%
Returned Payment Fee Starting at $ up to $35
Late Payment Fee Starting at 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 South Carolina FCU Mastercard have a foreign transaction fee?

South Carolina FCU Mastercard charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 South Carolina FCU Mastercard?

The South Carolina FCU Mastercard customer service number is (800) 845-0432.

What is the support contact email for South Carolina FCU Mastercard?

The support contact email for South Carolina FCU Mastercard is contactcenter@scfederal.org.

What is the South Carolina FCU Mastercard login page?

You can access the South Carolina FCU Mastercard login page here.

How do people rate the customer service and user experience of South Carolina FCU Mastercard?

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

Does South Carolina FCU Mastercard Cash Rewards report your account activity to credit bureaus?

Yes, South Carolina FCU Mastercard Cash Rewards 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 South Carolina FCU Mastercard

  • Visit the South Carolina FCU 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 - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

About South Carolina FCU Mastercard Cash Rewards

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Availability

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

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $35
Paper Statement Fee $5
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Fraud Liability
  • Concierge
Rewards Categories
  • Every Purchase
Signup Bonus Up to $50
Cash Advance APR (Variable APR) 14.99% - 17.99%
APR Type Variable APR
Balance Computation a method called "average daily balance (including new purchases and cash advances).
Purchase APR (Variable APR) 14.99% - 17.99%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.99% - 17.99%
(Verified 08/04/2023)
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Mastercard

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