Credit Card Balance Transfer Offer of 1.99% for 12 months.






1st Advantage World Mastercard

Earn $150 for spending $5,000 or more in the first 90 days.


  • Unlimited cashback.
  • 1% cashback everywhere, every time.
  • 3% cashback on grocery stores and wholesale clubs.*

1st Advantage Rewards Mastercard

Earn $100 for spending $2,000 or more in the first 90 days.


  • Unlimited cashback.
  • 1% cashback everywhere, every time.
  • 2% cashback on grocery stores and wholesale clubs.**

1st Advantage Mastercard

3.99% Introductory APR^ for first 6 months.


  • No annual fee
  • No balance transfer fee
  • No cash advance fee



Mastercard Benefits Guide
World Mastercard Benefits Guide
Mastercard Consumer Disclosure
Mastercard Consumer Agreement
Mastercard Rewards Agreement 

1- Annual Percentage Rate.
2- Special rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. 1st Advantage will not be responsible for any finance charges or late fees incurred due to nonpayment to other creditors. Any balance transfers processed after the promotional period will incurfinance charges at the standard rate. Minimum Payments will be applied to balances with low APRs prior to balances with high APRs. Payment amounts over the minimum will be applied to higher APRs first. The promotional APR will remain in effect for 12 months from the transaction date of the first balance transfer. Transfers must be made by April 30, 2021. After that date, new purchases and cash advances will carry your card’s current rate.
* 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. 1. Valid for World Mastercard cardholders only. 2. Visit http// www.postmates.com/mastercard-world to learn more about the Postmates benefit. For full terms, please visit https://postmates.com/legal/terms. 3. Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Please see the Guide to Benefits for details. 4. Certain terms, conditions, and exclusions apply. Visit www.travel.mastercard.com for full details. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management Ltd. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services. 5. These are summary descriptions only. Certain terms, conditions and exclusions apply. 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. 6. Refer to 1stAdvantage.org/Rewards for details.
** 2% cash back category changes quarterly. See Terms and Conditions for full program and service details.

^ APR = Annual Percentage Rate. 1.99% APR valid for the first twelve billing cycles. The APR thereafter is variable and currently ranges from 7.75 % to 17.95% and is accurate as of 10/1/2020. 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.