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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.*
14.74-24.74% APR thereafter.*

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

Apply now

View rates and terms

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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 when you dine at restaurants and bars!♥ ** 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.

Card features.

  • Get instant digital access with Card Management, plus control when, where, and how your card is used.
  • 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!
  • No foreign transaction fee.2
  • $0 intro annual fee for the first year, then $49/year.

Premium benefits.

Discounts with HelloFresh, Instacart, Lyft, ShopRunner, and more.3
Travel accident & baggage delay insurance, trip-delay reimbursement, cancellation or interruption protection, rental car coverage, and more.3
HealthLock for Mastercard, cell phone protection, price protection, extended warranty, and more.3
Mastercard ID Theft Protection and $10,000 identity fraud expense reimbursement.3

 

See all benefits and features

 

STCU Rewards World Mastercard.

1x
points per dollar spent on all purchases.

Fantastic features.

Illustration of a credit card

  • Receive 10,000 bonus points when you spend $1,500 in the first 90 days.
  • Get instant digital access with Card Management, plus control when, where, and how your card is used.
  • Use your card in-person, online, or in Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay.
  • Pay no annual fee!
  • Enjoy great benefits like HealthLock for Mastercard, cell phone protection, and more.3

 

See all benefits and features

 

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:

  • Mastercard ID Theft Protection and identity fraud expense reimbursement.3
  • Fraud text alerts.
  • Zero liability protection against unauthorized transactions.4

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.

Points
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.

**This bonus points promotion is only available February 1 – March 31, 2024, on purchases with your consumer rewards credit card at your favorite bars and restaurants. Valid only on consumer credit card purchases. Not all merchants qualify. Fast food and delivery services purchases are not eligible. STCU does not qualify merchants.

Bonus points vary depending on which STCU rewards card you use. To earn 5x points, get 3x bonus points using your STCU Premier Rewards World Mastercard® and another 2x points by selecting "Restaurants" in advance as one of your two spending categories. When you use your STCU Rewards World Mastercard, which does not have spending categories, you earn 3x bonus points dining out and another 1x points as part of your purchase, for a total of 4x points.

1Only available on the STCU Premier Rewards World Mastercard.

2Fees.

  • No foreign transaction fee for Premier card. All others, foreign transaction fee is 2% of U.S. dollar amount.
  • Cash advance fee is $5 or 3% of each cash advance, whichever is greater.
  • A 3% balance transfer fee or $5, whichever is greater, applies. No balance transfer fee after 90 days on non-rewards STCU credit card.

3Certain restrictions apply. See guide to benefits for the STCU Mastercard (PDF)STCU Rewards World Mastercard (PDF), or STCU Premier Rewards World Mastercard (PDF).

4Certain restrictions apply. See mastercard.us/zero-liability.


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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