| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
This card is designed to establish or rebuild credit history and does not participate in the SchoolsFirst FCU Member Rewards program.
|
0x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Dividend-Earning Secured Share Account
Funds deposited to secure the credit limit are held in a dividend-earning savings share account at SchoolsFirst FCU, so the collateral earns interest while the card is in use.
|
Financial | Complimentary |
|
No Annual Fee
The Share-Secured 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 Share-Secured Mastercard.
|
Financial | $0 Balance Transfer Fee |
|
No Cash Advance Fee
SchoolsFirst FCU charges no cash advance fee on the Share-Secured Mastercard, though interest begins accruing from the posting date of the cash advance with no grace period.
|
Financial | $0 Cash Advance Fee |
|
SavvyMoney Free Credit Score
Cardholders receive free access to their credit score and customized credit reports through SavvyMoney to help monitor and manage their credit health.
|
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 |
|
Priceless® Experiences
Access to Mastercard's Priceless platform offering one-of-a-kind curated experiences and adventures exclusive to Mastercard cardholders.
|
Lifestyle | Complimentary |
|
World Mastercard Merchant Offers
Access to exclusive offers with popular brands providing experiential, travel, and everyday value through the Mastercard World Offers portal at mastercard.com/worldoffers.
|
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.
|
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 |
