Compare the rewards, features, benefits, and rates of STCU Business Mastercard® credit cards.
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$75/year annual fee.* |
No annual fee. |
No annual fee. |
New cardholder offer. |
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| 0% intro APR for 8 months. (14.24-24.24% variable APR thereafter)** View rates and terms. |
0% intro APR for 8 months. (14.24-24.24% variable APR thereafter)** View rates and terms. |
0% intro APR for 8 months. (12.24-22.24% variable APR thereafter)** View rates and terms. |
| 30,000 bonus points when you spend $3,000 in first 90 days.1 | 10,000 bonus points when you spend $3,000 in first 90 days.1 | — |
Rewards. |
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| 5x points on office supply stores, plus recurring bills for phone, internet, and TV.1 | — | — |
| 4x points on up to $10,000 in eligible gas purchases per year.1 | — | — |
| 3x points on restaurants and most travel purchases, including airlines, hotels, car rentals, cruises, train and bus trips, and travel agencies.1 | 3x points on office supply stores, plus recurring bills for phone, internet, and TV.1 | — |
| 2x points on all other purchases.1 | 2x points on gas, restaurants and most travel purchases, including airlines, hotels, car rentals, cruises, train and bus trips, and travel agencies.1 | — |
| — | 1.5x points on all other purchases.1 | — |
| Redeem your points for cash back, gift cards, airline tickets, merchandise, charitable donations, or to erase transactions. | Redeem your points for cash back, gift cards, airline tickets, merchandise, charitable donations, or to erase transactions. | |
| Points never expire.1 | Points never expire.1 | — |
Travel benefits. |
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| Exclusive airport lounge access in 120+ airports worldwide with Priority Pass digital membership.2 | Exclusive airport lounge access in 120+ airports worldwide with Priority Pass digital membership.2 | — |
| 15% off meet and greet services with Mastercard airport concierge.2 | 15% off meet and greet services with Mastercard airport concierge.2 | 15% off meet and greet services with Mastercard airport concierge.2 |
| Ride-share protection for loss or theft of belongings up to $750 per trip.3 | Ride-share protection for loss or theft of belongings up to $750 per trip.3 | |
| Rental car coverage3 | Rental car coverage3 | Rental car coverage3 |
| MasterAssist and MasterRoadAssist 24-hour global travel emergency assistance.3 | MasterAssist and MasterRoadAssist 24-hour global travel emergency assistance.3 | MasterAssist and MasterRoadAssist 24-hour global travel emergency assistance.3 |
Lifestyle benefits. |
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| Cell phone protection up to $800 for stolen or damaged devices.3 | Cell phone protection up to $800 for stolen or damaged devices.3 | — |
| Discounts and offers with dozens of merchants. Find details at mastercard.us.3 | Discounts and offers with dozens of merchants. Find details at mastercard.us.3 | Discounts and offers with dozens of merchants. Find details at mastercard.us.3 |
| Mastercard discounts: Mastercard Priceless Experiences, Mastercard Digital Doors, Mastercard Premium Easy Savings, Mastercard Golf, Mastercard Biz Blog.3 | Mastercard discounts: Mastercard Priceless Experiences, Mastercard Digital Doors, Mastercard Premium Easy Savings, Mastercard Golf, Mastercard Biz Blog.3 | Mastercard discounts: Mastercard Priceless Experiences, Mastercard Digital Doors, Mastercard Easy Savings, Mastercard Golf, Mastercard Biz Blog.3 |
| Up to $1,000 for theft or damage with Purchase Assurance.3 | Up to $1,000 for theft or damage with Purchase Assurance.3 | Up to $1,000 for theft or damage with Purchase Assurance.3 |
| Up to one year extended warranty that doubles the manufacturer's.3 | Up to one year extended warranty that doubles the manufacturer's.3 | Up to one year extended warranty that doubles the manufacturer's.3 |
| 24/7 expert assistance with Mastercard Business Assistant.3 | 24/7 expert assistance with Mastercard Business Assistant.3 | |
| Medical fraud and overbilling protection with HealthLock for Mastercard.3 | Medical fraud and overbilling protection with HealthLock for Mastercard.3 | Medical fraud and overbilling protection with HealthLock for Mastercard.3 |
Safety benefits. |
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| Mastercard ID Theft Protection.3 | Mastercard ID Theft Protection.3 | Mastercard ID Theft Protection.3 |
| Zero liability protection against unauthorized transactions.4 | Zero liability protection against unauthorized transactions.4 | Zero liability protection against unauthorized transactions.4 |
| 24-hour lost/stolen card support with Mastercard global service.3 | 24-hour lost/stolen card support with Mastercard global service.3 | 24-hour lost/stolen card support with Mastercard global service.3 |
Disclosures
*Annual Fee.
Premier Rewards cardholders with more than five cards under their account pay an additional $15 annual fee per card, unless cardholder has an STCU Business Growth checking account. No annual fee for Business Rewards and Business Mastercard cardholders.
**All loans subject to approval. APR= annual percentage rate. View all rates and terms.
1Points.
Bonus points are awarded once per membership. Points never expire. Regular points never expire. See the STCU business rewards card terms and conditions.
2Airport lounge access.
Eligible cardholders will have lounge membership with “pay as you go” lounge visits at only $35 per visit, per person. Membership to 1,200+ Priority Pass lounges in 120+ countries and in over 400 airports regardless of airline, frequent flyer membership, or class of ticket.
3Certain restrictions apply. See guide to benefits for STCU Business Mastercard, STCU Business Rewards World Mastercard, or STCU Business Premier Rewards World Mastercard.
4Certain restrictions apply. See mastercard.us/zero-liability.
Mastercard credit card disclosures and agreements:
- STCU Business Mastercard disclosure (PDF) | STCU Business Mastercard agreement (PDF)
- Business Rewards Mastercard disclosure (PDF) | Business Rewards Mastercard agreement (PDF)
- Business Premier Rewards Mastercard disclosure (PDF) | Business Premier Rewards Mastercard agreement (PDF)
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.