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

For everyday purchases and beyond.

Apply Today

Use your Mastercard credit card for everyday purchases - at stores, online and even places that don't accept cash or checks like hotels. Your Mastercard gives you the freedom to support the lifestyle you choose.

  • APR** as low as 7.75%
  • No annual fee
  • No balance transfer fee
  • No cash advance fee

NEW CARDHOLDER BONUS! 3.99% Introductory APR^ for first 6 months on new purchases and balance transfers! The thereafter APR^ ranges from 7.75% to 17.95%.

Standard Card Benefits

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 Phone & Card Icon
Access Your Account Information
Manage your account through Online Banking,
Access Point, or by downloading our Mobile
Banking App
. Conveniently check balances,
make payments, and see transactions.

Add To Your Digital Wallet
Add your new card to your digital wallet and
breeze through the checkout lines!

Mastercard Benefits Guide
Mastercard Consumer Disclosure
Mastercard Consumer Agreement

Balance Transfer Offer:
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.
Standard Mastercard:
1. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit Contact your 1st Advantage for complete coverage terms and conditions. Applicable to U.S. Cardholders only. Valid for 1st Advantage Mastercard.
**Annual Percentage Rate (APR) is variable and currently ranges from 7.75% to 17.95% and is accurate as of 3/1/2021. 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.