Credit Cards
Earn rewards, build your credit, and dream bigIt’s your Advantage
Enjoy the Perks of Everyday Spending
True freedom isn’t just about where you live or what you do, but how you choose to spend what you’ve earned. With 1st Advantage, we offer credit card options that help make your days a little brighter.
Protect Your Credit
Mastercard ID Theft Protection offers credit file monitoring with alert notifications for suspicious activity, as well as Zero Liability Protection for unauthorized purchases.
Earn Rewards
Earn cash back on your everyday purchases, whether at the airport or grocery store, by using your World or Rewards Mastercard.
Manage Your Card Anytime
Experience a new level of credit union convenience with free Online & Mobile Banking, providing 24/7 card management on-the-go.
Access Emergency Services
Access Global Emergency Services anytime and anywhere in the world, allowing you to report lost or stolen cards, obtain emergency replacements, and receive assistance in any language.
Shop with Your Mobile Device
Shop with ease and security by adding your credit card to your Digital Wallet, enabling you to use Apple, Samsung, or Google Pay to conveniently “Tap” and pay for purchases both online and in person.
Set Up Card Controls
Easily manage your Credit Mastercard through our Mobile Banking app, which allows you to turn it on or off, limit its usage, set transaction restrictions, establish limits, schedule alerts, and more
Get the Best Rates Around
Credit Card |
Annual Percentage Rate |
Method use to Compute Purchase Balance |
Annual Fee |
Rewards? |
---|---|---|---|---|
* Annual Percentage Rate (APR) is variable and currently ranges from 13.00% to 17.95% and is accurate as of 9/19/2023. 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. |
||||
Credit Card World Mastercard |
Annual Percentage Rate as low as 17.95%* |
Method use to Compute Purchase Balance Average Daily Balance |
Annual Fee None |
Rewards? Yes |
Credit Card Rewards Mastercard |
Annual Percentage Rate as low as 15.40%* |
Method use to Compute Purchase Balance Average Daily Balance |
Annual Fee None |
Rewards? Yes |
Credit Card Standard Mastercard |
Annual Percentage Rate as low as 13.00%* |
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

- Unlimited cash back
- 1% cash back everywhere, every time
- 3% cash back at restaurants and fast food establishments*
- View World Mastercard Benefits Guide
- Rewards Program Agreement
1st Advantage Rewards Mastercard

- Unlimited cash back
- 1% cash back everywhere, every time
- 2% cash back at restaurants and fast food establishments.**
- View Rewards Mastercard Benefits Guide
- Rewards Program Agreement
1st Advantage Standard Mastercard

- No annual fee
- No balance transfer fee
- No cash advance fee
- View Standard Mastercard Benefits Guide
Stories that Empower & Inspire
Explore our blog for the latest credit union news, practical tips, and resources for financial wellness.

Paying Off High-Interest Debt

Redeeming Your Cashback with the Rewards, World, and Business Mastercard

The Importance of Credit History & Successful Savings
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.