Safe 1 Mastercard Platinum Rewards Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
At a glance
The Safe 1 Mastercard Platinum Rewards Card offers several features that make it stand out from many competitors. It provides cardholders many of the same benefits as the regular Platinum credit card, cardholders can earn points for every purchase and redeem those for merchandise or travel vouchers. Keep reading for more information on this credit card.
Our review of the Safe 1 Mastercard Platinum Rewards Card
The Safe 1 Rewards card is a top choice for credit card users looking to earn rewards on their everyday purchases. This credit card offers a straightforward points system, with cardholders earning one point for every $1 spent using their Mastercard. With no annual fee, no balance transfer fees, and a 0% introductory interest rate, the Safe 1 Rewards card provides great value for cardholders.
Earn Rewards Points on Each Purchase
Cardholders can earn points with every purchase made using their Safe 1 Rewards Mastercard. There is no cap on the number of points you can earn, but keep in mind that points do expire after two years. This makes it important to use your card regularly if you plan to redeem your points for big ticket items.
Redeeming Your Points
Safe1 partners with Choice Rewards to offer a wide range of redemption options, including merchandise, gift cards, event tickets, travel, and cash back. Gift cards start at just 3,000 points for a $25 gift card, with the value of your points increasing for larger redemption items.
No Fees
The Safe 1 Rewards card has no annual fee, making it a rare find among rewards cards. Additionally, there are no balance transfer fees, making it easy to consolidate debt onto this card.
0% Introductory APR for 12 Months
One of the standout features of the Rewards Mastercard is its 0% introductory interest rate for the first 12 months. This promotion applies to purchases and balance transfers made within the first 90 days of opening an account, providing cardholders with a great opportunity to save on interest charges.
Additional Cardholder Perks
Cardholders can take advantage of Mastercard perks, such as extended warranties on purchases and price protection. Additionally, cardholders have access to identity theft protection services and Global Service for emergency assistance while traveling.
Should You Apply for the Safe 1 Mastercard Platinum Rewards Card?
The Safe 1 Rewards card is a solid choice for residents of Southern California who are eligible to join Safe 1 Credit Union. While the rewards program is standard, the card offers great value with no annual fee and a 0% introductory APR. If you prefer a card with lower interest rates, Safe 1 also offers a regular Platinum card with similar benefits.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- 0% intro APR for 12 months on purchases and cash advances
- Earn 1 point for ever $1 you spend with your credit card
- No balance transfer fees
Who this card may suit
- You want a credit card that earns rewards points
- You don’t want to pay an annual fee
- You don’t want to pay balance transfer fees
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 14.75% to 21.75% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 14.75% to 21.75% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 14.75% to 21.75% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 2% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars |
| Penalty APR | 27.50% |
| Late Payment Penalty Fee | $15 |
| Return Payment Penalty Fee | $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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Safe 1 Mastercard Platinum Rewards Card
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