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

The card that helps you get more out of every day.

Apply Today

Unlimited cashback is only the beginning. Our World Mastercard helps you get more out of every day with enhanced benefits!
  • 1% cashback everywhere, every time.
  • 3% cashback in select bonus categories.* Current categories include grocery stores and wholesale clubs. 

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Maximize your cashback by using the World Mastercard on the things you buy most!
  • APR** as low as 12.99%
  • No annual fee
  • No balance transfer fee
  • No cash advance fee

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

Click here to learn how to cash in on your cash back!

World Card Benefits 9.20
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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.

Start Earning Rewards
In addition to earning 3% cashback in bonus
categories, you also earn 1% cashback on all
other purchases.* Save time and earn cash
back on your monthly expenses by setting up
automatic payments to your card.

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

Add Additional Cards
Earn rewards together and share the benefits
of your card membership with those who matter
most. Get started by calling 1-800-359-7650 or

World Mastercard Benefits Guide
Mastercard Consumer Disclosure
Mastercard Consumer 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. 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 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 Contact your 1st Advantage for complete coverage terms and conditions. Applicable to U.S. Cardholders only. Valid for 1st Advantage Mastercard. 6. Refer to for details.
**Annual Percentage Rate (APR) is variable and currently ranges from 12.99% 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.