With your everyday spending, points quickly add up to more cash or travel rewards in your pocket. No games, no gimmicks; just points — and lots of them — redeemable for cash, travel, merchandise, and more.

Unique features of Rewards

  • Variable rates as low as 15.00% APR.
  • Get 10,000 points just for opening a card — a $100 cash value.
  • Earn 1.5 points for every $1 spent.
  • Appreciate unlimited points that never expire.1
  • Enjoy access to a personal travel advisor, luxury hotels and resorts, a personal concierge, and other travel benefits.
  • Get more travel rewards for your points faster with higher point-to-ticket values.
  • Free, unlimited 2-day shipping and return shipping from more than 140 participating online retailers (enrollment in complimentary ShopRunner membership required).2
  • Receive a $5 Lyft credit for every three rides taken in a calendar month.3
  • Use your points like cash to make purchases or to cover a past purchase.4

What you get with a Mastercard

  • No cash advance fee, annual fee, or balance transfer fee. (SEE TERMS)
  • EMV chip-enabled technology to help protect you from fraud.
  • Apple Pay®, Google PayTM, and Samsung Pay.TM
  • Identity theft monitoring and alerts, emergency wallet replacement, and identity theft resolution services with Mastercard ID Theft Protection.TM5
  • Coverage for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car.6
  • Enjoy access to Priceless®, an exclusive benefit for Mastercard cardholders that offers one-of-a-kind experiences and adventures.



Log in to Online Banking to get started

Call (800) 462-8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.



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 12/10/2023 and are subject to change without notice. See important terms, rates and fees.
  1. Account must be open, current and in good standing.
  2. Enrollment in ShopRunner membership required. Eligible Rewards Mastercard receive unlimited free 2-day shipping, free return shipping, member-only deals and much more at more than 140 online retailers. See Guide to Benefits for details and restrictions.
  3. Purchases must be made with your SchoolsFirst FCU Rewards Mastercard to be eligible for the offer. Terms and conditions apply. See the Guide to Benefits for details and restrictions.
  4. Available for certain eligible transactions.
  5. To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years. 
  6. 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.

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