Credit Cards
Earn rewards, build your credit, and dream bigItâs your Advantage
Enjoy the Perks of Everyday Spending
True freedom isnât just about where you live or what you do, but how you choose to spend what youâve earned. With 1st Advantage, we offer credit card options that help make your days a little brighter.
Get the Best Rates Around
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Credit Card |
Annual Percentage Rate |
Method use to Compute Purchase Balance |
Annual Fee |
Rewards? |
|---|---|---|---|---|
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* Annual Percentage Rate (APR) is variable and currently ranges from 12.25% to 17.95% and is accurate as of 11/15/2024. Your APR is determined by program selected and credit history. All other information will be disclosed when you receive your card in the mail. Please contact the credit union at 757-877-2444 with questions or concerns. |
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Credit Card World Mastercard |
Annual Percentage Rate as low as 17.49%* |
Method use to Compute Purchase Balance Average Daily Balance |
Annual Fee None |
Rewards? Yes |
|
Credit Card Rewards Mastercard |
Annual Percentage Rate as low as 14.65%* |
Method use to Compute Purchase Balance Average Daily Balance |
Annual Fee None |
Rewards? Yes |
|
Credit Card Standard Mastercard |
Annual Percentage Rate as low as 12.25%* |
Method use to Compute Purchase Balance Average Daily Balance |
Annual Fee None |
Rewards? No |
Choose the Card that Fits Your Goals
1st Advantage World Mastercard
- New cardholders can earn $150 for spending $5,000 or more in the first 90 days
- Unlimited cash back
- 1% cash back everywhere, every time
- 3% cash back in select bonus categories*
- View World Mastercard Benefits Guide
- Rewards Program Agreement
1st Advantage Rewards Mastercard
- New cardholders can earn $100 for spending $2,000 or more in the first 90 days
- Unlimited cash back
- 1% cash back everywhere, every time
- 2% cash back in select bonus categories**
- View Rewards Mastercard Benefits Guide
- Rewards Program Agreement
1st Advantage Standard Mastercard
- New cardholders will receive 3.99% APR* on purchases and balance transfers for the first 6-months
- No annual fee
- No balance transfer fee
- No cash advance fee
- View Standard Mastercard Benefits Guide
Get Answers to Your Questions
Report a lost or stolen card, and/or fraud by calling the below numbers for your 1st Advantage credit cards. A fraud report will be taken at the time the card is reported lost or stolen.
For Business, Rewards and Standard Mastercards, call 866-337-3132
For World Mastercards, call 866-406-0749
Follow the below instructions:
Step 1: Log into Online or Mobile Banking and click the âManage Cards.â
Step 2: Click âRewardsâ under Card Details.
Step 3: Click continue to proceed to uChoose Rewards.
Step 4: Click on Redeem Points and then follow the prompts to request your rewards redemption!
For more details, check out our blog: Redeeming Your Cashback with the Rewards, World, and Business Mastercard – 1st Advantage Federal Credit Union
You can add a travel notification to your account within Online Banking, Mobile Banking, or by calling our eBranch Call Center at 757-877-2444 or 1-800-359-7650.
How To Set a Travel Notification Through Online Banking
⢠Log in to Online Banking
⢠Click Manage Cards located on the top menu bar
⢠Click Manage Travel Plans on the left side menu
⢠Select the plus button to Add Travel Plan and follow prompts to securely enter your travel plans and select the account(s) you would like the notice placed on.
How To Set a Travel Notification Through Mobile Banking
⢠Log in to the Mobile Banking app
⢠Click on the Cards icon in the bottom menu
⢠Select the card you would like to place an alert on. Please note you will need to place a travel alert for each card you plan on using while traveling.
⢠Scroll down to the Mange Card section
⢠Select Manage Travel Plans and follow prompts to securely enter your travel plans
Login to Online or Mobile Banking to begin making your payment.
– If the funds are in your 1st Advantage account:
Click transfer, then select the account your wish to transfer from as well as your payment amount. Then confirm transfer.
– To pay from an account at another financial institution:
Click on your credit card account. Then click on âManage Your Card.â You will then be re-directed to the quick access portal which will allow you to schedule your payment using a non-1st Advantage account.
- Log into your 1st Advantage mobile banking app or your Online Banking account
- Select the Cards icon at the bottom in Mobile Banking or Manage Cards in the top navigation in Online Banking
- Select your Credit Card account and then scroll down to the Manage Card section and select Balance Transfer
- Follow the prompts and input the necessary information, then hit Submit.
Stories that Empower & Inspire
Explore our blog for the latest credit union news, practical tips, and resources for financial wellness.
Redeeming Your Cashback with the Rewards, World, and Business Mastercard
How to Consolidate Credit Card Debt Without Hurting Your Credit
How Many Credit Cards Should I Have?
Ready to Apply for a Credit Card?
Disclosures
* Mastercard Rewards cardholders will receive 3% cash back in select bonus categories and 1% cash back on all other purchases. 3% cash back category changes quarterly. See Terms and Conditions for full program and service details. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your 1st Advantage for complete coverage terms and conditions. Applicable to U.S. Cardholders only. Valid for 1st Advantage Mastercard. Refer to 1stAdvantage.org/Rewards for details.
** 2% cash back category changes quarterly. See Terms and Conditions for full program and service details.