Compare the rewards, features and benefits, and rates of all three STCU Mastercards®.
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$0 intro annual fee for the first year, |
No annual fee.*> $1,000 minimum credit limit. |
No annual fee.* $1,000 minimum credit limit. |
New cardholder offer. |
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| 0% intro APR for 18 months. (14.74-24.74% variable APR thereafter)1 View rates and terms. |
0% intro APR for 18 months. (14.74-24.74% variable APR thereafter)1 View rates and terms. |
0% intro APR for 18 months. (11.99-22.99% fixed APR thereafter)1 View rates and terms. |
| 15,000 bonus points when you spend $1,500 in first 90 days.2 | 10,000 bonus points when you spend $1,500 in first 90 days.2 | — |
Rewards. |
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| 3x points on most travel purchases, including airlines, hotels, car rentals, cruises, train and bus trips, and travel agencies.2 | — | — |
2x points on two categories you choose: groceries, Amazon.com, Walmart, department stores, restaurants, gas, and more.2More categoriescharities, drug stores/pharmacies, hardware/home improvement, recurring bills, electronics/department stores, appliance, furniture, and home decor stores. |
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| 1x points all other purchases.2 | 1x points on all purchases.2 | — |
| 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. | — |
Lifestyle benefits. |
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| Cell phone protection up to $600 for stolen or damaged devices.3 | Cell phone protection up to $600 for stolen or damaged devices.3 | — |
| Merchant discounts with booking.com, HelloFresh, Instacart, Lyft, Mastercard Golf, Mastercard Priceless Experiences, MoviePass, ResortPass, and Shoprunner.3 | Merchant discounts with booking.com, HelloFresh, Instacart, Lyft, Mastercard Golf, Mastercard Priceless Experiences, MoviePass, ResortPass, and Shoprunner.3 | Merchant discounts with booking.com and MoviePass.3 |
| More than one million hotspots worldwide with Boingo Wi-Fi access.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 |
| Price protection against price drops up to $250 for 120 days.3 | Price protection against price drops up to $250 for 120 days.3 | Price protection against price drops up to $250 for 60 days.3 |
| Two year extended warranty that doubles the manufacturer's.3 | Two year extended warranty that doubles the manufacturer's.3 | One year extended warranty that doubles the manufacturer's.3 |
| Use your card in-person and online with Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay. | Use your card in-person and online with Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay. | Use your card in-person and online with Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay. |
| Maximum sparkles.❇ | A lot of sparkles.❇ | Sparkles.❇ |
Travel benefits. |
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| Up to $2,000 per trip of cancellation or interruption protection.3 | — | — |
| Up to $250 per trip of trip-delay reimbursement.3 | — | — |
| Ride-share protection for loss or theft of belongings up to $750 per trip.3 | — | — |
| Primary rental car coverage.3 | Secondary rental car coverage.3 | Secondary rental car coverage.3 |
| $1 million travel accident and baggage delay insurance.3 | $500,000 travel accident and baggage delay insurance.3 | $500,000 travel accident and baggage delay insurance.3 |
| 15% off meet and greet services with Mastercard airport concierge.3 | 15% off meet and greet services with Mastercard airport concierge.3 | 15% off meet and greet services with Mastercard airport concierge.3 |
| Access a suite of benefits, amenities, and upgrades, plus premium travel offers from best-in-class travel companies, with Mastercard Travel and Lifestyle Services.3 | Access a suite of benefits, amenities, and upgrades, plus premium travel offers from best-in-class travel companies, with Mastercard Travel and Lifestyle Services.3 | |
Safety benefits. |
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| $10,000 of identity theft protection and fraud expense reimbursement.3 | $5,000 of identity theft protection and fraud expense reimbursement.3 | $5,000 of identity theft protection and fraud expense reimbursement.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 |
| Control where, when, and how your card is used with STCU card management. | Control where, when, and how your card is used with STCU card management. | Control where, when, and how your card is used with STCU card management. |
| Stay informed fraud text alerts. | Stay informed fraud text alerts. | Stay informed fraud text alerts. |
Disclosures
*No foreign transaction fee for Premier card. All others, foreign transaction fee is 2% of U.S. dollar amount. A 3% balance transfer fee or $5, whichever is greater, applies. No balance transfer fee after 90 days on non-rewards STCU credit card. Cash advance fee is $5 or 3% of each cash advance, whichever is greater. Introductory rate availability based on creditworthiness. Not all applicants will qualify for these rates.
1All loans subject to approval. APR= annual percentage rate. View all rates and terms.
2Points.
Bonus points are awarded once per membership. Points on purchases never expire, with at least one purchase every 24 months. See the STCU rewards card terms and conditions.
3Certain restrictions apply. See guide to benefits for STCU Mastercard, STCU Rewards World Mastercard, or STCU Premier Rewards World Mastercard. Learn how to earn discounts and credits for ride-sharing, deliveries, movies, and meal kits at mastercard.us/worldoffers
4Certain restrictions apply. See mastercard.us/zero-liability.
❇Based on pearlessence per square inch.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.