Purchase APR
11.49–17.99%
Annual fee
None
Foreign fee
None
620–719720+
Carrying $3k for a year ≈ $487.20
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66
MemberSelect Rewards MasterCard®
Community Resource Credit Union
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
15.24–17.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from Community Resource Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
16.24%
720+
15.24%
Lowest offered15.24%
Median16.24%
Highest offered17.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.99%
Median17.99%
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee2%
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Automobile rental insurance
- Discounts on purchases of goods and services (non travel related)
- Extension on manufacturer’s warranty
Features
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Merchandise purchases, gift cards, local offers, give to charity.
Who can get this card
AvailabilityOne State/Territory
StatesTX
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-238-3228
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.24%$487.20
Annual / periodic fees$0
Total yearly cost$487.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Community Resource Credit Union in the 2026 Q1 archive.
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