| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
1.5% cash back on all qualifying purchases; cash advances, balance transfers, and returns are not eligible for cash back.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The School Employee 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 School Employee Mastercard.
|
Financial | $0 Balance Transfer Fee |
|
No Cash Advance Fee
SchoolsFirst FCU charges no cash advance fee on the School Employee 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; 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 |
|
1.5% Cash Back on All Purchases
Cardholders earn 1.5% cash back on all qualifying net purchases; cash advances, balance transfers, and returns are not eligible for cash back.
|
Rewards | 1.5% cash back |
|
Monthly Cash Back Deposit to Summer Saver
Cash back rewards are deposited monthly into the cardholder's Summer Saver account, earning a high dividend rate; if the Summer Saver maximum contribution limit is reached or no Summer Saver share is open, the deposit is placed in the member's Primary Share 01 (Savings) account.
|
Rewards | 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 |
