Credit Cards

Earn rewards, build your credit, and dream big
It’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.

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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 2/6/2024. 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

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1st Advantage Rewards Mastercard

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1st Advantage Standard Mastercard

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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?

Apply online
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Apply in person
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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.