| Category | Rate | Type | Cap |
|---|---|---|---|
|
Gas Stations
Earn 3 points per dollar on net purchases in the gasoline and electric vehicle (EV) charging category; transactions are placed into categories based on merchant codes assigned by Visa.
|
3x | Points | No cap |
|
Dining
Earn 2 points per dollar on net purchases in the restaurant category; transactions are categorized based on merchant codes assigned by Visa.
|
2x | Points | No cap |
|
All Other Purchases
Earn 1.5 points per dollar on all other qualifying net purchases not categorized as gasoline/EV charging or restaurants.
|
1.5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The Rewards 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 Rewards Mastercard.
|
Financial | $0 Balance Transfer Fee |
|
No Cash Advance Fee
SchoolsFirst FCU charges no cash advance fee on the Rewards 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, providing financial flexibility during the holiday season.
|
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 |
|
1.5x Points on All Other Purchases
Cardholders earn 1.5 points per dollar on all other qualifying net purchases not categorized as gasoline, EV charging, or dining.
|
Rewards | 1.5x points |
|
2x Points on Dining
Cardholders earn 2 points per dollar on net purchases in the restaurant category, based on merchant codes assigned by Visa.
|
Rewards | 2x points |
|
3x Points on Gas and EV Charging
Cardholders earn 3 points per dollar on net purchases in the gasoline and electric vehicle charging category, based on merchant codes assigned by Visa.
|
Rewards | 3x points |
|
Flexible Points Redemption
Points can be redeemed for cash back to a SchoolsFirst FCU Checking or Share Account, or as credit card statement credits; minimum redemption is 2,500 points ($25); certain restrictions apply for travel redemptions.
|
Rewards | Minimum $25 redemption |
|
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 |
|
Mastercard Travel Services
Cardholders gain access to a personal travel advisor, luxury hotel program, and other Mastercard travel benefits through the World Mastercard platform.
|
Travel | Complimentary |
