SchoolsFirst Federal Credit Union Credit Cards

23 Reviews

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Please find below credit cards offered by SchoolsFirst Federal Credit Union.

SchoolsFirst Federal Credit Union Share-Secured Mastercard®

Secured Credit CardMin Deposit of $500

One-Time Fees$0

Regular APR13.9%

Secured Card

Min Deposit of $500

One-Time Fees

Regular APR

13.9%

annual fee

monthly fee

minimum credit

Bad Credit

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Pros

No membership fees
Low regular APR
Qualify with limited or no credit history

Cons

Foreign fee
Requires security deposit

Additional Info

Secure your credit limit with a deposit of an equal amount, $500 to $5,000.
Earn dividends on your deposited funds to steadily grow your savings.
With responsible use and healthy spending habits you may be eligible for an unsecured credit card at a lower rate.
Identity theft resolution services with Mastercard ID Theft Protection.
Priceless® Cities, an exclusive benefit that offers one-of-a-kind experiences and adventures.
More Details & Reviews About SchoolsFirst Federal Credit Union Share-Secured Mastercard®

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SchoolsFirst Federal Credit Union Inspire Mastercard®

Purchase Intro APR0% for 6 months

Transfer Intro APR0% for 6 months|Transfer Fee: $0

Regular APR13.25% - 17.9% (V)

Purchase Intro APR

0% for 6 months

Transfer Intro APR

0% for 6 months|Transfer Fee: $0

Regular APR

13.25% - 17.9% (V)

annual fee

rewards rate

None

minimum credit

Excellent Credit

Show Details

Pros

No membership fees
0% intro APR on purchases
0% intro APR on balance transfers

Cons

No rewards
No initial rewards bonus
Foreign fee
Requires excellent credit

Additional Info

Annual skip-a-payment without impacting your credit score.
Be in control of your financial future with free credit score and customized reports from SavvyMoney.
Apple Pay®, Google Pay™, Samsung Pay™ for an easy, secure and private way to pay.
MasterRental Insurance when you use your card to reserve and rent a car.
Priceless® Cities, an exclusive benefit that offers one-of-a-kind experiences and adventures.
More Details & Reviews About SchoolsFirst Federal Credit Union Inspire Mastercard®

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SchoolsFirst Federal Credit Union Rewards Mastercard®

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR14.5% - 17.9% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

14.5% - 17.9% (V)

annual fee

rewards rate

1.5 points / $1

Bonus Offer

10,000 points

Bonus Offer

10,000 points

minimum credit

Excellent Credit

Show Details

Pros

No membership fees
10,000 points initial rewards bonus
No foreign fee

Cons

No intro APR on purchases
No intro APR on balance transfers
Requires excellent credit

Rewards Details

Receive 10,000 rewards points ($100 cash value) at card opening, no purchase required.
Earn 1.5 points for every $1 spent.
Get more travel rewards for your points faster with higher point-to-ticket values.
Redeem points for cash, travel, merchandise and more.
Get 5% back on HelloFresh purchases.
Receive a $5 Lyft credit for every three rides taken in a calendar month.
Enjoy DoorDash discounts including $5 off the first two DashPass orders every month for existing subscribers or a free three-month DashPass membership for new subscribers.

Additional Info

Free, unlimited 2-day shipping and return shipping from more than 140 participating online retailers (enrollment in complimentary ShopRunner membership required).
Apple Pay®, Google Pay™, Samsung Pay™ for an easy, secure and private way to pay.
Mastercard Enhanced ID Theft Protection to help you monitor your identity 24/7 and respond to suspicious activity.
Priceless® Cities an exclusive benefit for Mastercard cardholders, that offers one-of-a-kind experiences and adventures.
Be covered for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car
More Details & Reviews About SchoolsFirst Federal Credit Union Rewards Mastercard®

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SchoolsFirst Federal Credit Union Credit Card Reviews

4.4

What's Your Rating?

judib_4
May 12, 2023 • @judib_4

Verified Customer

Awesome card from a great CU! School's First always goes above and beyond for their members. This card has a very low rate and cash back goes into a high earning savings account.

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Danny
May 4, 2023 • @drdanny4393

Verified Customer

I am 61 years old best Bank I’ve ever had and I’ve had them all. I definitely would recommend them for anybody looking for a bank and it’s able to get in do it

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Hans
November 28, 2022 • @hreyes98

Verified Customer

Awesome bank, awesome credit union with amazing staff. They’ll work with you and guide you if you need help. I’ve been a member for over 10 years and my children will also be members.

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

David
November 1, 2022 • @kitchenablaze

Verified Customer

Been with them for a number of years now. They've always treated me really well. I've been with other financial institutions in the past who always seemed to be looking for an opportunity to take advantage, but SchoolsFirst has always been very helpful.

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Nashay
September 1, 2022 • @nashayesqueda

Verified Customer

Excellent have had this bank for over 12 years. Happy they allowed me and my husband to get a card we can use anywhere and be able to get cash back rewards

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Marco
March 3, 2022 • @mslemus

Verified Customer

SchoolsFirst is the best credit union for people they are not about profits they always there to help when needed friendly staff an knowledgeable

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Kevin
February 26, 2022 • @kcrider2014

Verified Customer

Schools First has one of the better credit cards. They do offer cash back and respond quickly for any questionable charges. Easy access, card locking, PIN number can be change from app.

Product: SchoolsFirst Federal Credit Union Rewards Mastercard®

Comment

Kevin
February 24, 2022 • @kcrider2014

Verified Customer

This is one of my credit Union accounts. This card is very convenient and happens to be locked at this time. They have raised my limit once because I was over it. I receive calls and service whenever there is suspicious spending. I would rate them a 4.

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Shardae
November 12, 2021 • @Shardae

For the most part I like SFCU. I’ve been with them for almost 5 years. I have their summer saver, school employee credit card and car insurance. What I dislike is that they have not increased my credit limit at all and I pay the balance in full every month. I should not have to have a hard pull on my credit just to get a small increase. I just recently signed up with Navy Federal and was approved for 25k vs my 5K limit with SFCU. I’ll probably be switching my direct deposit as well to NF. They just seem to be more giving, but I’ll continue to keep my summer save with SFCU.

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Relly Rell
December 1, 2021 • @Yelogrl

Schools First won’t increase your limit unless you ask for it. And unfortunately that involves a hard pull

Comment

Jamie
November 12, 2021 • @austin13jay

Verified Customer

Schools First Credit Union is Amazing. I absolutely love the customer service. Transactions are always easy. I’ve never had any issues. I would recommend them always.

Product: SchoolsFirst Federal Credit Union Credit Cards

Comment

Review SchoolsFirst Federal Credit Union Credit Cards

SchoolsFirst Federal Credit Union Credit Card Q&A

Get answers to your questions about SchoolsFirst Federal Credit Union Credit Cards below. For more general questions, visit our Answers section.

How do I apply for a SchoolsFirst FCU credit card?

Upvotes

Maria Adams, Credit Cards Moderator

The easiest way you can apply for a SchoolsFirst FCU credit card is online. Alternatively, you can apply over the phone at (800) 462-8328 or by visiting your nearest SchoolsFirst Federal Credit Union branch.

Keep in mind that you have to be a member of the SchoolsFirst Federal Credit Union to qualify for one of their credit cards.

How to Apply for a SchoolsFirst FCU Credit Card Online

Visit the SchoolsFirst FCU credit cards page.
Choose the card you want to apply for and click on the “Learn More” link.
Scroll down until you see the “Apply Now” menu and click on “Log in to Online Banking.”
Log in to your online account using your credentials and click on the “Log In” button.
Fill out the application form by entering your name, phone number, Social Security number, etc.
Click on “Apply” to complete the application process.

Most applicants receive a decision in 24-48 hours. In some cases, though, it can take 7-10 business days for the issuer to review your application.

Ultimately, keep in mind that the credit score needed for a SchoolsFirst FCU credit card is typically “excellent” (750+). But there are exceptions, too. If you don't know where you stand, you can check your score for free, right here on WalletHub.

What credit score do you need for a SchoolsFirst FCU credit card?

Upvotes

Maria Adams, Credit Cards Moderator

The credit score you need for a SchoolsFirst FCU credit card is typically 750 or higher, though it depends on the card. One exception is the SchoolsFirst Federal Credit Union Share-Secured Mastercard®. This card accepts even people with a credit score of 300, which is considered bad credit.

Keep in mind that it's best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.

SchoolsFirst FCU Credit Score Requirements by Card

SchoolsFirst Federal Credit Union Inspire Mastercard®: 750 (Excellent credit)
SchoolsFirst Federal Credit Union Rewards Mastercard®: 750 (Excellent credit)
SchoolsFirst Federal Credit Union Share-Secured Mastercard®: 300 (Bad credit)

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a SchoolsFirst FCU credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

How much is the cash advance limit for the SchoolsFirst Inspire Credit Card?

Upvotes

Frieda Reiss, WalletHub Credit Card Analyst

The cash advance limit for the SchoolsFirst Federal Credit Union Inspire Mastercard® is equal to the credit limit of the card. The card's credit line will be determined based on several factors like your credit score, income and existing debts.

While the SchoolsFirst Federal Credit Union Inspire Mastercard® cash advance fee is $0, a 17.90% (V) APR will apply as soon as the transaction is posted to your account.

You don't get a grace period for cash advances, so try to pay them off quickly.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

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