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Illustration of a shiny, black credit card
Illustration of a shiny, black credit card
Illustration of a shiny, black credit card
stcu rewards mastercards

0% intro APR for 18 months.*
13.24-23.24% APR thereafter.*

Get 15,000 (Premier Rewards) new account bonus points2 when you spend $1,500 in the first 90 days.

Apply now

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STCU Premier Rewards World Mastercard.

Earn points on all your purchases with the security and convenience you expect.

5x

Earn up to 5x points at amazon.com, walmart.com, and more, Nov 1 – Dec 31.2 Learn more about bonus points.

3x
points for every dollar spent on most travel purchases, including airlines, hotels, car rentals, and more.1
2x
points for every dollar spent on two categories you choose: groceries, Amazon, Walmart, department stores, restaurants, and more.1
1x
points per dollar spent on all other purchases.

First-class features.

  • Card management gives you access to your card before it arrives in the mail. Your new card will be issued digitally, so you don’t have to wait to start using it when shopping online or adding it to your mobile wallet.
  • Use your card in-person, online, or in Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay.
  • Redeem your points for cash back, gift cards, airline tickets, and more!
  • Pay no annual fee for the first year ($49 thereafter).

You can earn your annual fee back in points!

For example, you’d basically pay off your fee with a round trip ticket from Spokane to Fiji. Or, if you’re not in the mood to travel, you could pay off your fee with the points earned by a couple of months worth of groceries.6

Grocery point breakdown
  1. Choose "groceries" for one of your 2x points categories.
  2. Spend $250/week on groceries.
  3. Recoup your annual $49 fee in less than three months.
  • $250 x 2 points = 500 points per week.
  • 500 points x 10 weeks = 5,000 points.
  • 5,000 points = $50 cash back

Premium benefits.

Discounts and credits with Lyft, DoorDash, ShopRunner, and more.4
Protect your trip with delay reimbursement, cancellation and interruption insurance, and more.4
Cellphone protection up to $600 for stolen or damaged devices.4
Ride-share insurance for loss or theft of belongings.4

 

See all credit card features

 

STCU Rewards World Mastercard.

1x
points per dollar spent on all purchases.

Fantastic features.

Illustration of a credit card

  • Receive 10,000 bonus points2 when you spend $1,500 in the first 90 days.
  • Card management gives you access to your card before it arrives in the mail. Your new card will be issued digitally, so you don’t have to wait to start using it when shopping online or adding it to your mobile wallet.
  • Use your card in-person, online, or in Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay.
  • Pay no annual fee!

Looking for a fixed-rate option?

Illustration of a credit cardEnjoy the lowest rate possible with our traditional, fixed-rate STCU Mastercard, with no annual fee! Enjoy the same convenience and safety as all STCU Mastercards.

Learn more Apply now

Stay safe with any STCU Mastercard.

With the card management tool in online banking and the mobile app, you can control when, where, and how your debit and credit cards are used, set alerts, access your cards digitally, and more. See the details on card management.

In addition, you also get:

  • Identity theft resolution and reimbursement.4
  • Fraud text alerts.
  • Zero liability protection against unauthorized transactions.5

Cardholder support.

We’re here for you, just like your Mastercard is. You are welcome to call our rewards vendor at (855) 445-6719 from 6 a.m. to 9 p.m. Pacific Standard Time weekdays or 6 a.m. to 7 p.m. weekends. And if you need to get in touch with us, you can contact us anytime.

Support.

Resources.


Disclosures

*All loans subject to approval. APR = annual percentage rate. The introductory rate does not apply to cash advances. Introductory rate availability based on creditworthiness. See full rate and balance transfer details.

Earned points on purchases never expire, with at least one purchase every 24 months.

1Only available on the STCU Premier Rewards World Mastercard.

2Bonus points expire one year from date awarded. Earned points never expire, with at least one purchase every 24 months. See the STCU rewards card terms and conditions.

3No 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.

4Certain restrictions apply. See guide to benefits for the STCU MastercardSTCU 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

5Certain restrictions apply. See mastercard.us/zero-liability.

6Based on a cursory search of May 2022 airline prices. To pay off your annual fee using cash back from groceries, choose "groceries" for one of your 2x points categories. Spending $250 per week, you'll recoup your annual $49 fee in less than three months: $250 x 2 points = 500 points per week, or 10 weeks to get $50 cash back.

Mastercard credit card disclosures and agreements:

Traditional Mastercard disclosure | Traditional Mastercard agreement
Rewards World Mastercard disclosure  | Rewards World Mastercard agreement
Premier Rewards World Mastercard disclosure | Premier Rewards World Mastercard agreement

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.


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