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Inspire Mastercard®

Rates as low as

12.25 % APR1

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Featuring tools to monitor and improve your credit score.

 

No cash advance, annual or balance transfer fees.†

 

Skip your December billing cycle payment without impacting your credit score.2

 

Apple Pay®, Google WalletTM and Samsung PayTM.

 

Enjoy access to Priceless®, an exclusive benefit for Mastercard cardholders.

 

Get your free credit score and customized reports from SavvyMoney.

 

50% off your first two months of a new Standard or Premium MoviePass plan.‡†

Member Deisha H.
DEISHA H. MEMBER SINCE 2001

Low Rate and Credit-Friendly Tools

Get inspired by a Mastercard offering low rates and credit monitoring tools to keep your credit in tip-top shape. Plus make purchases or transfer a balance with a special 0% introductory rate for the first six billing cycles. Regular variable rate between 12.25% APR and 17.90% APR after the introductory period ends.3

What You Get with Every Mastercard

  • No cash advance, annual or balance transfer fees.†
  • EMV chip-enabled technology to help protect you from fraud.
  • Free identity theft monitoring and alerts, emergency wallet replacement, and identity theft resolution services with Mastercard ID Theft ProtectionTM.‡
  • Apple Pay®, Google WalletTM and Samsung PayTM.
  • Enjoy access to Priceless®, an exclusive benefit for Mastercard cardholders that offers one-of-a-kind experiences and adventures.
  • Get your free credit score and customized reports from SavvyMoney.
  • Unlock access to Live Nation's pre-sale and preferred ticketing for select festivals and venues.
  • Coverage for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car.†‡
  • Complimentary HealthLock Medical Claim Monitor membership plus a free 90-day upgrade to all HealthLock services.‡†
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Credit Card Debt Protection for Life’s What-Ifs

If you’re unable to work due to involuntary job loss or illness,◆ Payment Shield Plus is designed to be an affordable way to safeguard your finances by waiving your monthly payments on your SchoolsFirst FCU Mastercard. And it protects your family by canceling your loans or credit card balance (up to the maximum allowed by your contract) if you pass away.⧱

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Being dedicated to serving school employees comes with a few gold stars.

J.D. Power

No. 1 Credit Union for Member Banking Satisfaction

Forbest Best-in-State Credit Unions award logo, 2025.

Forbes' Best-In-State
Credit Unions 2025

Voted Best Credit Union in California for Seven Years

Recognition: Newsweek - Best Banks and Credit Unions

Newsweek

America’s Best
Regional Banks and Credit Unions

Recognition: LA Times - Top Credit Unions in Southern California

Los Angeles Times

#1 Credit Union in SoCal

Recognition: OC Register Best of Orange County 2025 - Best Credit Union

The Orange County Register

Readers’ Choice Awards
Best Credit Union in Orange County

Style Magazine

Readers’ Choice Awards
Best Credit Union in the Greater Sacramento Region

Press-Enterprise

Readers’ Choice Awards
Favorite Credit Union
in the Inland Empire

Daily Breeze

Readers’ Choice Awards
Best Credit Union
in Gardena and Torrance

Recognition: Coachella Valley Independent - Best Credit Union in the Coachella Valley

Readers' Picks

Best Credit Union in Coachella Valley

Daily News

Readers’ Choice Awards
Favorite Credit Union in Pasadena

People's Choice Awards Best Credit Union in Orangevale

Orangevale View

People's Choice Awards Best Credit Union in Orangevale

Managing Your Credit

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Demystifying Your Credit Score

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Debt Payoff

CALCULATOR
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Explore Our Mastercards

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Locations

We offer over 70 branches in California and 30,000+ ATM locations.

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Disclosures
  1. APR = Annual Percentage Rate. Subject to credit approval. SchoolsFirst FCU's credit card program features a range of variable interest rates based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 12/03/2025 and are subject to change without notice. Foreign transaction fee: 2% of the transaction in U.S. dollars, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country. See important rates, terms and fees.
  2. Automatically offered during December billing cycle to qualified Members. This payment is typically due at the end of December or within the month of January, depending on your billing cycle. You can choose whether or not to make a payment. If you choose to make no payment during the month, finance charges will continue to accrue until you make a payment. By skipping the payment you will pay more in total interest. Interest will continue to accrue during the skip payment period.
  3. 0.00% introductory APR applies to purchases and balance transfers made within the first six billing cycles from account opening. After the introductory rate expires, your APR on remaining balances and new purchases will be at your regular variable rate. Introductory APR does not apply to cash advances. Balance transfers are the transfer of balances from other lenders to your SchoolsFirst FCU credit card and cannot be applied to any amount you owe under any other credit agreement or account you have with SchoolsFirst FCU. Annual Percentage Rate may change after account is opened. Introductory offer is not available on converted credit cards. See terms and conditions.

AGREEMENT AND DISCLOSURE STATEMENT  |  GUIDE TO BENEFITS

  • Foreign transaction fee: 2% of the transaction amount in U.S. dollars for School Employee, Inspire and Share-Secured credit cards, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country. Balance transfers are the transfer of balances from other lenders to your SchoolsFirst FCU credit card and cannot be applied to any amount you owe under any other credit agreement or account you have with SchoolsFirst FCU. There is no grace period for cash advances. Interest begins accruing from the posting date of the cash advance. See disclosures for School Employee Mastercard, Inspire Mastercard, Rewards Mastercard and Share-Secured Mastercard.
  • To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.
  • Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard card to secure transactions. Please refer to your Guide to Benefits for further details or call (800) 627-8372 for assistance.
  • Terms and conditions apply.
  • If the outstanding loan balance is greater than $100,000, the rate will not be applied to the amount that exceeds $100,00. Loss of Life will provide 25% of the protected balance or $25,000 (whichever is less) after the last day of the month the protected individual reaches age 75.

Payment Shield Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Payment Shield Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

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