| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
This card focuses on low interest rates and credit-building tools and does not participate in a rewards or cash back program.
|
0x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Introductory APR Offer
New Inspire Mastercard accounts receive an introductory APR on purchases and balance transfers for a promotional period after account opening; after the introductory period expires, the regular variable APR applies and the introductory rate does not apply to cash advances.
|
Financial | Introductory rate for new accounts |
|
No Annual Fee
The Inspire Mastercard carries no annual fee for cardholders.
|
Financial | $0 Annual Fee |
|
No Balance Transfer Fee
SchoolsFirst FCU charges no balance transfer fee when transferring balances from other lenders to the Inspire Mastercard.
|
Financial | $0 Balance Transfer Fee |
|
No Cash Advance Fee
SchoolsFirst FCU charges no cash advance fee on the Inspire Mastercard; however, interest begins accruing from the posting date of the cash advance with no grace period.
|
Financial | $0 Cash Advance Fee |
|
Payment Shield Plus
An optional debt protection program that waives monthly credit card payments in the event of involuntary job loss or illness, and cancels the balance (up to the program maximum) upon death; available for an additional fee.
|
Financial | Optional add-on |
|
SavvyMoney Free Credit Score
Cardholders receive free access to their credit score and customized credit reports through SavvyMoney to help monitor and manage credit health.
|
Financial | Complimentary |
|
Skip-a-Payment Option (December)
Qualified cardholders are automatically offered the option to skip their December billing cycle payment; the skipped payment is typically due at the end of December or within January depending on the billing cycle.
|
Financial | Complimentary |
|
MasterRental Insurance
Provides coverage for damage due to collision or theft when the card is used to reserve and pay for a rental car; certain terms, conditions, and exclusions apply.
|
Insurance | Complimentary |
|
Live Nation Pre-Sale and Preferred Ticketing
Cardholders gain access to Live Nation pre-sale and preferred ticketing for select festivals and venues through the Mastercard partnership.
|
Lifestyle | Complimentary |
|
Priceless® Experiences
Access to Mastercard's Priceless platform offering one-of-a-kind curated experiences and adventures exclusive to Mastercard cardholders.
|
Lifestyle | Complimentary |
|
EMV Chip Technology
The card includes an EMV chip to help protect against counterfeit fraud at chip-enabled terminals.
|
Security | Complimentary |
|
Mastercard ID Theft Protection™
Monitors the surface, dark, and deep web for signs of identity theft and provides alerts, emergency wallet replacement, and identity theft resolution services, powered by Generali; enrollment required.
|
Security | Complimentary |
|
Zero Liability Fraud Protection
Cardholders are not responsible for unauthorized purchases made with their card, provided the unauthorized use is promptly reported.
|
Security | Complimentary |
|
Apple Pay, Google Wallet, and Samsung Pay
The card is compatible with Apple Pay, Google Wallet, and Samsung Pay for contactless digital wallet payments.
|
Shopping | Complimentary |
