| Last updated on November 13th, 2023
SchoolsFirst FCU Inspire Mastercard Credit Card
SchoolsFirst FCU Inspire Mastercard Credit Card
SchoolsFirst FCU Inspire Mastercard Credit Card
- 13.75% to 17.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.75% to 17.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
SchoolsFirst FCU Inspire Mastercard Credit Card is a no-nonsense, low rate credit card that provides an exceptional APR on purchases, balance transfers, and cash advances. The card also boasts a 0% intro APR offer, no balance transfer fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
- Get your credit score and customized credit reports for free from SavvyMoney
- Skin your December billing cycle payment without affecting your credit score
- Enjoy Priceless Cities benefits exclusive to Mastercard cardholders
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 13.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 13.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- You prefer an exceptional, competitive APR
- You plan on financing a significant purchase
- You want to pay down an existing balance
- You do't want to pay an annual fee
SchoolsFirst FCU Inspire Mastercard Credit Card Review
The Inspire Mastercard from SchoolsFirst Federal Credit Union is a low APR credit card for those who want a great low rate every day.
0% Intro APR
The exceptional interest rates with the Inspire Mastercard begin immediately after opening a new account. New cardholders enjoy a 0% introductory APR for six months on purchases and balance transfers.
Other cards from larger issuers (including Citi, Chase, and others) offer more extended intro-APR periods, but none of those banks can provide the great low rates SchoolsFirst provides once that six months end.
An Excellent APR Every Day
Once the intro period ends, Inspire Mastercard holders can anticipate a highly competitive APR on purchases and balance transfers. That rate varies depending on the applicant’s credit score but is below 9% for those with the very best scores.
Even the APR spectrum’s higher-end is hugely competitive – and well below what applicants would typically expect from a similar card from major banks. This great rate makes Inspire the perfect option for financing bigger purchases or paying down existing balances. Even better, there are no balance transfer fees, cash advance fees, or an annual membership fee.
Other Card Features
Other notable features of the Inspire Mastercard Credit Card include Apple Pay®, Google Pay & Samsung Pay integration, plus free credit score monitoring and customizable reports through SavvyMoney. Cardholders can also expect the usual Mastercard perks and protections, including:
- Mastercard Enhanced ID Theft Protection for 24/7 identity monitoring and fraud protection
- MasterRental Insurance rental car coverage for damage due to collision or theft when using the Inspire Card to rent vehicles
- Mastercard Priceless® Cities, an exclusive benefit that offers one-of-a-kind experiences and adventures
Should You Apply for the SchoolsFirst FCU Inspire Mastercard Credit Card?
The Inspire Mastercard is an excellent low APR credit card for those who prefer a great rate and very little else. There are no points or cash back rewards on offer with the Inspire, but don’t let that hold you back – this card is perfect for carrying a balance or financing larger purchases. Other low APR, 0% APR, and cards (that also offer credit line increases) include offers from major banks, such as the Chase Slate Edge.
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