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FourLeaf Federal Credit Union · Mastercard

Mastercard Low Rate Credit Card

Balance Transfer Standard
$0 Annual Fee
See terms Purchase APR
670+ Recommended FICO
Browse Cards FourLeaf Federal Credit Union Mastercard Low Rate Credit Card

Rewards

CategoryRateTypeCap
All Other Purchases
This card prioritizes a low interest rate and does not earn rewards points or cash back on purchases.
0x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
Low Purchase APR
The card is designed with a competitive low interest rate, making it suitable for members who carry a balance and wish to minimize interest charges.
Financial Low variable APR
No Annual Fee
The Mastercard Low Rate Credit Card carries no annual fee, allowing members to maintain the account at no yearly cost.
Financial $0 annual fee
Up to $0
Mastercard ID Theft Protection
Provides identity theft resolution services to help cardholders recover from identity theft incidents, including assistance with disputed accounts and fraud alerts.
Security Complimentary
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with their Mastercard, providing protection against fraudulent transactions.
Security Complimentary
Mastercard Global Service
Provides 24/7 emergency assistance worldwide including emergency card replacement and emergency cash advance services while traveling.
Travel Complimentary

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision Time1-3 days

Issuer Rules & Restrictions

Shutdown Risk Triggers
Manufactured spending, excessive cash advances, multiple applications in short period
Additional Issuer Rules
FourLeaf Federal Credit Union does not publish formal application velocity rules or card-family bonus restrictions comparable to major bank issuers. Membership eligibility in FourLeaf FCU is a prerequisite for any credit card application. No community-documented churning rules, once-per-lifetime bonus restrictions, or cross-card blocking rules are known for this product.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Interest rate capped at 6% on pre-service balances during active duty military service per SCRA requirements
Hardship Program
Hardship program available.
FourLeaf Federal Credit Union
$0
Annual Fee
Apply Now
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Quick Summary
Annual Fee Free
Min. FICO670+
NetworkMastercard
Card TypeBalance Transfer
Online
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