Inspire Benefits

Credit-friendly features

  • Annual skip-a-payment without impacting your credit score1
  • Be in control of your financial future with free credit score and customized reports from SavvyMoney

Introductory APR2

  • Introductory 0% APR on balance transfers and purchases for six billing cycles
  • After the introductory period ends, your regular variable APR will apply. APR ranges between 8.50% – 17.90%

Keeping you covered4

  • Be covered for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car

Enhanced layers of security to keep you protected

Exclusively for Mastercard® cardholders

  • Priceless® Cities, an exclusive benefit that offers one-of-a-kind experiences and adventures

Inspire Mastercard Credit Card5

Variable rate. No annual, balance transfer or cash advance fees.

Annual Percentage Rate (APR)

8.50% – 17.90%

Credit Limit

Up to $25,000

APR = Annual Percentage Rate
1. Automatically offered during December billing cycle to qualified Members. This payment is typically due at the end of December or within the month of January, depending on your billing cycle. You can choose whether or not to make a payment. If you choose to make no payment during the month, finance charges will continue to accrue until you make a payment. By skipping the payment you will pay more in total interest. Interest will continue to accrue during the skip payment period. 2. 0.00% introductory APR applies to new purchases and balance transfers made within the first six billing cycles from account opening. After the introductory rate expires, your APR on remaining balances and new purchases will be at your regular variable rate. Intro APR does not apply to cash advances. Balance transfers are the transfer of balances from other lenders to your SchoolsFirst FCU credit card and cannot be applied to any amount you owe under any other credit agreement or account you have with SchoolsFirst FCU. Annual Percentage Rate may change after account is opened. 3. To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years. 4. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard card to secure transactions. Please refer to your Guide to Benefits for further details or call 1-800-MASTERCARD for assistance. 5. SchoolsFirst FCU’s credit card program features a range of interest rates based on a variety of factors, including the applicant’s credit rating. Rates quoted are effective as of 3/18/20 and are subject to change without notice. Variable rate, subject to change after account opening. Foreign transaction fee: 2% of the transaction in U.S. dollars.

External Website Linking


By clicking on this link, you are leaving SchoolsFirst FCU's website. You are linking to an alternate website not operated by SchoolsFirst FCU, and SchoolsFirst FCU is not responsible for the content of the alternate website. The fact that there is a link from SchoolsFirst FCU's website to an alternate website does not constitute endorsement of any product, service, or organization. SchoolsFirst FCU does not represent either you or the website operator if you enter into a transaction. Privacy and security policies may differ from those practiced by SchoolsFirst FCU, and you should review the alternate website's policies.


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