SchoolsFirst FCU Inspire Mastercard Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Intro purchase APR
- 0% for 6 months from account opening date
At a glance
SchoolsFirst FCU Inspire Mastercard Credit Card is a no-nonsense, low rate credit card that provides an exceptional APR on purchases, balance transfers, and cash advances. The card also boasts a 0% intro APR offer, no balance transfer fees, and no annual fee.
Our review of the SchoolsFirst FCU Inspire Mastercard Credit Card
Looking for a credit card with a low APR that delivers great rates every day? The Inspire Mastercard from SchoolsFirst Federal Credit Union might be the perfect fit for you.
0% Intro APR: Enjoy a 0% introductory APR for six months on purchases and balance transfers when you open a new account with the Inspire Mastercard. While other cards from larger issuers may offer longer intro-APR periods, SchoolsFirst provides exceptional interest rates once the six months are up
Excellent APR Every Day: Following the introductory period, Inspire Mastercard holders can expect a highly competitive APR on purchases and balance transfers. With rates below 9% for those with top credit scores, even the higher end of the APR spectrum is impressively low compared to similar cards from major banks.
Additional Card Features: In addition to great rates, the Inspire Mastercard offers integration with Apple Pay, Google Pay & Samsung Pay, free credit score monitoring through SavvyMoney, and Mastercard perks like Enhanced ID Theft Protection, MasterRental Insurance, and Priceless Cities experiences.
Should You Apply? If you prioritize a low APR over rewards like points or cash back, the SchoolsFirst FCU Inspire Mastercard could be the ideal option for you. Perfect for financing larger purchases or carrying a balance, this card stands out for its competitive rates and fee-free structure.
Consider the Inspire Mastercard for a credit card that prioritizes low APR and everyday great rates without the need for rewards. Compare it to other low APR and 0% APR cards from major banks like Chase Slate Edge to find the best fit for your financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
- Get your credit score and customized credit reports for free from SavvyMoney
- Skin your December billing cycle payment without affecting your credit score
- Enjoy Priceless Cities benefits exclusive to Mastercard cardholders
Who this card may suit
- You prefer an exceptional, competitive APR
- You plan on financing a significant purchase
- You want to pay down an existing balance
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 6 months from account opening date |
| Regular Purchase APR | 13.75% to 17.90% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 6 months from account opening date |
| Balance Transfer APR | 13.75% to 17.90% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 17.90% variable based on creditworthiness and the Prime Rate |
| Foreign Transaction Fee | 2% of the transaction amount in U.S. dollars |
| Penalty APR | 17.90% |
| Late Payment Penalty Fee | $25 |
| Return Payment Penalty Fee | $20 |
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: Excellent Credit Good Credit.
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SchoolsFirst FCU Inspire Mastercard Credit Card
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