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Rewards Mastercard

Schoolsfirst Federal Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
13.25–17.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
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
17%
720+
13.25%
Lowest offered13.25%
Median15.08%
Highest offered17.90%

Cash advance APR

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

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
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
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Discounted gift cards and merchandise

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: California state: All Counties

Phone800-462-8328
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 15.08%$452.40
Annual / periodic fees$0
Total yearly cost$452.40

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

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