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Inspire Mastercard®

Rates as low as

13.00 % 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

No Fees, Great Benefits

Get inspired by a Mastercard offering low rates and ways to keep your credit in tip-top shape. And with no fees and special perks, it's a smart choice for everyday spending. Transfer a balance with 0% interest for six months and pay no balance transfer fee. Regular variable rate as low as 13.00% APR after 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.
  • Coverage for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car.†‡
  • Up to 7% off on prepaid stays on Booking.com.‡†
  • Complimentary HealthLock Medical Claim Monitor membership plus a free 90-day upgrade to all HealthLock services.‡†
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For six consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

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Managing Your Credit

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Demystifying Your Credit Score

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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 12/12/2024 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 new 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. See terms and conditions.
  4. 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.

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. 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.
  • Certain terms, conditions and exclusions apply. Please visit Mastercard to get full details.