Credit Cards

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It’s your Advantage

Balance Transfer Special

Get 1.99% APR^ on all balance transfers for 12 months; then 13.00% APR^ to 17.95% APR^ applies. No Balance Transfer Fees! Consolidate your debt and take advantage of this limited time offer! Stop paying high rates and payments on other credit cards. Transfer your high-rate balances to your 1st Advantage Credit Mastercard and start saving! Offer ends July 30, 2024. Learn more here.

  • Enjoy
    1.99% APR^

    for 12 months of your balance transfer

  • and
    $0 Fee

    No balance transfer fees!

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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.

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Earn Rewards

Earn cash back on your everyday purchases, whether at the airport or grocery store, by using your World or Rewards Mastercard.

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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.

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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.

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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.

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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

Sport the Lifestyle You Choose

Our cards are pretty great, and packed with member-exclusive perks. Learn about all the ways you can achieve more with our Credit Mastercard.

Benefits of a 1st Advantage Credit Mastercard.

Get the Best Rates Around

Credit Mastercard

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 4/1/2024. 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.
Mastercard Consumer Agreement
Call 757-886-3337 or Apply Now

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

Credit Card Black

1st Advantage Rewards Mastercard

Credit Card Blue

1st Advantage Standard Mastercard

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  • 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 “Manage Cards.”

Step 2: Click “Rewards” 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 “Manage Your Card.” 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.

 

To initiate a balance transfer login to online or mobile banking.

  • Click on your credit card account.
  • At the top of the menu box, click Quick Access Portal
  • Click continue
  • On the left hand menu, select Manage Card, and then click on Balance Transfer.

You can also make a request at one of our convenient branch locations or give us a call at 757-877-2444.

Stories that Empower & Inspire

Explore our blog for the latest credit union news, practical tips, and resources for financial wellness.

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Paying Off High-Interest Debt

Too much debt is just expensive. People with lots of debt often say they lack peace of mind. Learn how…
Learn more
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Redeeming Your Cashback with the Rewards, World, and Business Mastercard

Cashing in on your rewards is easier than ever! Follow these simple steps to cash in on your rewards. Please…
Learn more
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The Importance of Credit History & Successful Savings

Having a strong credit history, reflected in good credit scores, allows you to qualify for lower interest rates and fees.
Learn more

Ready to Apply for a Credit Card?

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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.

^Annual Percentage Rate = APR. Introductory rate of 1.99% for 12 months from date of balance transfer then the standard APR applies. Intro Balance Transfer APR is 1.99% for 12 months from date of transfer, for transfers under this offer that post to your account by July 30, 2024 then the standard APR applies. APR: 13.00% variable to 17.95% variable, based on your creditworthiness. Variable APRs will vary with the market based on the Prime Rate. Balance transfer fee: 0%.  Annual Fee: None. Rates as of May 1, 2024. 1st Advantage reserves the right to cancel this promotion at any time. Contact 1st Advantage for details.