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Inspire Mastercard

Schoolsfirst Federal Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
12–17.90%
Annual fee
None
0% intro
6 mo
0% transfer
12%
Foreign fee
2%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
17.90%
≤619
17.90%
620–719
16%
720+
12%
Lowest offered12%
Median14%
Highest offered17.90%

Introductory purchase APR

Promotional window: 6 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 6 months · grace period retained on purchases

No score
17.90%
≤619
17.90%
620–719
16%
720+
12%
Lowest offered12%
Median—
Highest offered17.90%

Cash advance APR

No score
17.90%
≤619
17.90%
620–719
17.90%
720+
17%
Lowest offered12%
Median—
Highest offered17.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee2%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$20

Late fee policy: $25, but no more than the amount due if balance is less than $25.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: California state: All Counties

Phone800-462-8328
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 12.00%$150
You save$150

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.00% afterwards.

Cost to carry a balance
Interest for a year at 14.00%$420.00
Annual / periodic fees$0
Total yearly cost$420.00

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

8 documents filed by Schoolsfirst Federal Credit Union in the 2026 Q1 archive.

All 8 agreements

More from this issuer