Share-Secured Mastercard
No annual fee. Purchase APR 13.90%.
- 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
“13.90%”
- 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 | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
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 95% of the 577 cards we track.
- No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
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 “13.90%” |
| Penalty APR | Issuer's pageschoolsfirstfcu.org “17.90%” |
| 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
- Mastercard ID Theft Protection provides free identity theft monitoring and alerts, emergency wallet replacement, and identity theft resolution services.
- Access to Priceless experiences and adventures for Mastercard cardholders.
- Live Nation pre-sale and preferred ticketing for select festivals and venues.
- Rental car
- Other
Questions
- What is the annual fee?
- $0 Reported to the CFPB, Dec 31, 2025, since Sep 29, 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?
- 13.90% APR schoolsfirstfcu.org, since Sep 29, 2026
Other secured cards without rewards with no annual fee
- 14.9% Share Secured VisaMid American Credit Union · No annual feeabout the same
- 9.9% Share Secured VisaMid American Credit Union · No annual feeabout the same
- BankAmericardBank of America · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).