Last Updated: 07/28/2025
South Carolina FCU Mastercard Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.99% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.99% - 17.99%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
South Carolina FCU Mastercard Credit Card Review
This is a rewards card issued by South Carolina Federal Credit Union. If you're wondering whether South Carolina FCU 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.
- APRs: South Carolina FCU Mastercard Credit Card has a variable regular purchase APR that ranges from 13.99% 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.
- A 3% balance transfer fee. South Carolina FCU Mastercard 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 up to 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of South Carolina FCU Mastercard Credit Card
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South Carolina FCU Mastercard Credit Card FAQ
Does South Carolina FCU Mastercard Credit Card have a cash back or rewards program?
South Carolina FCU Mastercard Credit Card is a rewards card.
| Description |
Does South Carolina FCU Mastercard Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does South Carolina FCU Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the South Carolina FCU Mastercard Credit Card benefits?
South Carolina FCU Mastercard Credit Card 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 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.South Carolina FCU Mastercard Credit Card has a variable purchase APR that ranges from 13.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 17.99%. It also has a variable cash advance APR of 17.98% .
Does South Carolina FCU 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 | 13.99% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does South Carolina FCU Mastercard 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 FCU Mastercard Credit Card?
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| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 South Carolina FCU Mastercard Credit Card have a foreign transaction fee?
South Carolina FCU Mastercard Credit Card charges a foreign transaction fee of up to 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 Credit Card?
The customer service number for South Carolina FCU Mastercard Credit Card is (800) 845-0432.
What is the support contact email for South Carolina FCU Mastercard Credit Card?
The support contact email for South Carolina FCU Mastercard Credit Card is contactcenter@scfederal.org.
What is the login page for South Carolina FCU Mastercard Credit Card?
You can access the login page of South Carolina FCU Mastercard Credit Card here.
How do people rate the customer service and user experience of South Carolina FCU Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does South Carolina FCU Mastercard Credit Card report your account activity to credit bureaus?
Yes, South Carolina FCU 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 South Carolina Federal Credit Union perform a hard credit pull?
Yes, South Carolina FCU 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 South Carolina FCU Mastercard Credit Card
- Visit the website of South Carolina FCU 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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