School Employee Mastercard
No annual fee. Purchase APR 10.25–17.90%, variable.
- Annual fee
- CFPB credit card survey, Dec 2025CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageschoolsfirstfcu.org
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- Issuer's pageschoolsfirstfcu.org
“Foreign transaction fee: 2% of the transaction amount in U.S. dollars for School Employee, Inspire and Share-Secured credit cards, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $180 | $180 |
| Typical spender | $450 | $450 |
| Heavy spender | $990 | $990 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 100% of the 44 cards on our Cash back list (see the list).
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 1.5%Everything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageschoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pageschoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageschoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Issuer's pageschoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
| Late payment | Issuer's pageschoolsfirstfcu.org “Up to $25 imposed 15 days after the due date.” |
| Returned payment | Issuer's pageschoolsfirstfcu.org “Up to $20 .” |
| Foreign transactions | Issuer's pageschoolsfirstfcu.org “Foreign transaction fee: 2% of the transaction amount in U.S. dollars for School Employee, Inspire and Share-Secured credit cards, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country.” |
| Grace period | Issuer's pageschoolsfirstfcu.org “Up to $25 imposed 15 days after the due date.” |
| Minimum interest charge | Issuer's pageschoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- 1.5% cash back on qualifying purchases is deposited monthly into a Summer Saver account; if the Summer Saver contribution limit has been reached or no Summer Saver share is open, the deposit goes to the Member's Primary Share 01 savings account.
- Summer Saver account advertised at 6.00% APY, subject to stated contribution limits and eligibility requirements.
- Interest-only payments may be available during June, July, and August; members must contact SchoolsFirst FCU to confirm eligibility and participate.
- Qualified members may skip the December billing-cycle payment without affecting their credit score; finance charges continue to accrue.
- The rate is reduced by 0.50% APR after 12 consecutive on-time payments, subject to restrictions and the lowest APR offered at funding.
- Apple Pay, Google Wallet, and Samsung Pay support.
- Access to Live Nation pre-sale and preferred ticketing for select festivals and venues.
- Access to Mastercard Priceless experiences and adventures.
- Free credit score and customized reports from SavvyMoney.
- Mastercard ID Theft Protection, including identity-theft monitoring and alerts, emergency wallet replacement, and identity-theft resolution services.
- Rental car
- Other: up to the maximum allowed by your contract
Questions
- What is the annual fee?
- $0 CFPB credit card survey, Dec 2025, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- Yes: 2% of the transaction in U.S. dollars.. schoolsfirstfcu.org, since Sep 29, 2026
- What is the purchase APR?
- 10.25–17.90% APR schoolsfirstfcu.org, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$260 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$200 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$175 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).