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Compare the rewards, features, and rates of all three STCU Mastercards®.

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Learn more about STCU Mastercards


Side-by-side comparison of STCU consumer credit cards.

Premier Rewards icon
Premier Rewards

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3x points on most travel purchases, including airlines, hotels, car rentals, and more.1
2x points on two categories you choose: groceries, Amazon, Walmart, department stores, restaurants, and more.1
1x points all other purchases.1 1x points on all purchases.1
15,000 bonus points when you spend $1,500 in first 90 days.* 10,000 bonus points when you spend $1,500 in first 90 days.*
Cellphone protection up to $600 for stolen or damage devices3 Cellphone protection up to $600 for stolen or damage devices3
Free Wi-Fi access at over 1 million Boingo hotspots worldwide.3
Ride-share insurance for loss or theft of belongings.3
Trip-cancellation or -interruption insurance.3
Trip-delay reimbursement.3
0% intro APR for 6 months.
(9.49-19.49% variable APR thereafter)2
0% intro APR for 6 months.
(9.49-19.49% variable APR thereafter)2
0% intro APR for 6 months.
(9.99-20.99% fixed APR thereafter)2
No annual fee first year;
$49 thereafter.2
No annual fee.2 No annual fee.2
$5,000 minimum credit limit. $1,000 minimum credit limit. $500 minimum credit limit.

All STCU credit cards have:

Passport Unlimited® instant deals and discounts!

Rental car collision damage insurance.3

Travel accident insurance and baggage-delay reimbursement.3

Purchase protection against price drops up to $250.3

Extended warranty that doubles the manufacturer's.3

Identity theft resolution and reimbursement.3

Fraud text alerts.

Zero liability protection against unauthorized transactions.4

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*Bonus points expire one year from date awarded. See the STCU rewards card terms and conditions.
1Earned points on purchases never expire, with at least one purchase every 24 months. 
2No foreign transaction fee for Premier card. All others, foreign transaction fee is 2% of U.S. dollar amount. No balance transfer fee for 60 days after account opening; after that, $5 or 3% of each balance transfer, whichever is greater. 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.
3Certain restrictions apply. See guide to benefits for STCU MastercardSTCU Rewards World Mastercard, or STCU Premier Rewards World Mastercard.
4Certain restrictions apply. See

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