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  South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card

South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card

in Personal Credit Cards from South Carolina Federal Credit Union

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South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card

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in Personal Credit Cards from South Carolina Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 10.25% - 18%
Balance Transfer APR  (Variable APR) 10.25% - 18%
Credit Score Range 650 - 850
Annual Fee $0

South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card Review

This is a rewards credit card issued by South Carolina Federal Credit Union. If you're wondering whether South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card has a variable purchase APR that ranges from 10.25% up to 18%.
  • 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 Federal Credit Union Mastercard Cash Rewards Credit Card 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 oods if your credit score is above650.
Pros & Cons of South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 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 Federal Credit Union Mastercard Cash Rewards Credit Card is accepted.
  • South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card 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 Federal Credit Union Mastercard Cash Rewards Credit Card FAQ

Does South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card have a cash back or rewards program?

South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card is a rewards card.

South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $50
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card 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 Federal Credit Union Mastercard Cash Rewards Credit Card?

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

It has a variable purchase APR that ranges from 10.25% up to 18%. The card has a variable balance transfer APR that ranges from 10.25% up to 18%. It also has a variable cash advance APR that ranges from 10.25% up to 18%.

Does South Carolina Federal Credit Union Mastercard Cash Rewards 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 up to 12 months.

South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.25% - 18%
Balance Transfer Fee % 3%

Does South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card 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 South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card?

The following fees apply:

South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $25
Late Payment Fee up to $30

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 Federal Credit Union Mastercard Cash Rewards Credit Card have a foreign transaction fee?

South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card 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 Federal Credit Union Mastercard Cash Rewards Credit Card?

The South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card customer service number is (800) 845-0432.

Does South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card report your account activity to credit bureaus?

Yes, South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card 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 Federal Credit Union Mastercard Cash Rewards Credit Card

  • Visit the South Carolina Federal Credit Union Mastercard Cash Rewards Credit Card 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 Federal Credit Union Mastercard Cash Rewards Credit Card

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View all personal credit cards offered by South Carolina Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1% Cash Back
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $30
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
Rewards Categories
  • Every Purchase
Signup Bonus Up to $50
Cash Advance APR (Variable APR) 10.25% - 18%
Balance Computation a method called "average daily balance (including new purchases and cash advances).
Purchase APR (Variable APR) 10.25% - 18%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.25% - 18%
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Mastercard

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