Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.49% - 24.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.49% - 24.49%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0
STCU Rewards World Mastercard Review
This is a rewards card issued by STCU. If you're wondering whether STCU Rewards World Mastercard 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 19 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 19 months.
- APRs: STCU Rewards World Mastercard has a variable regular purchase APR that ranges from 14.49% up to 24.49%.
- 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. STCU Rewards World Mastercard charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- 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 Auto Rental Collision Damage Waiver, access to a concierge, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of STCU Rewards World Mastercard
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STCU Rewards World Mastercard FAQ
Does STCU Rewards World Mastercard have a cash back or rewards program?
STCU Rewards World Mastercard is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does STCU Rewards World Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does STCU Rewards World Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the STCU Rewards World Mastercard benefits?
STCU Rewards World Mastercard provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for STCU Rewards World Mastercard?
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.STCU Rewards World Mastercard has a variable purchase APR that ranges from 14.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 24.49%.
Does STCU Rewards World 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 19 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.49% - 24.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 19 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does STCU Rewards World Mastercard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 19 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 19 months.
What are the fees for STCU Rewards World Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does STCU Rewards World Mastercard have a foreign transaction fee?
STCU Rewards World Mastercard 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 STCU Rewards World Mastercard?
The customer service number for STCU Rewards World Mastercard is (509) 326-1954.
What is the support contact email for STCU Rewards World Mastercard?
The support contact email for STCU Rewards World Mastercard is info@stcu.org.
What is the login page for STCU Rewards World Mastercard?
You can access the login page of STCU Rewards World Mastercard here.
How do people rate the customer service and user experience of STCU Rewards World Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does STCU Rewards World Mastercard report your account activity to credit bureaus?
Yes, STCU Rewards World Mastercard 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 STCU perform a hard credit pull?
Yes, STCU Rewards World Mastercard 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 STCU Rewards World Mastercard
- Visit the website of STCU Rewards World Mastercard.
- 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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