Our illustration in the card’s colours, not its design
SchoolsFirst credit card
SchoolsFirst FCU Inspire® Mastercard
No annual fee. Purchase APR 12.25–17.90%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · schoolsfirstfcu.org
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · schoolsfirstfcu.org
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · schoolsfirstfcu.org
“Foreign transaction fee: 2% of the transaction in U.S. dollars, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country.”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 85% of the 651 cards we track.
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Access to Live Nation pre-sale and preferred ticketing for select festivals and venues.
- Access to Mastercard Priceless experiences and adventures.
- Rental car
- Other: If the outstanding loan balance is greater than $100,000, the rate will not be applied to the amount exceeding $100,000. Loss of Life provides 25% of the protected balance or $25,000, whichever is less, after the last day of the month the protected individual reaches age 75.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “0.00% introductory APR for the first six billing cycles that your Account is open.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “No cash advance, annual or balance transfer fees. †” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “There is no grace period for cash advances.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “17.90%” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “Up to $25 imposed 15 days after the due date.” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “Up to $20 .” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “Foreign transaction fee: 2% of the transaction in U.S. dollars, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org “Up to $25 imposed 15 days after the due date.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · schoolsfirstfcu.org The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · schoolsfirstfcu.org, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 2% of the transaction in U.S. dollars.. · schoolsfirstfcu.org, since Oct 8, 2026
- What is the purchase APR?
- 12.25–17.90% APR · schoolsfirstfcu.org, since Sep 29, 2026
- Is there an intro APR?
- 0.00% for the first six billing cycles from date of account opening. · schoolsfirstfcu.org, since Oct 8, 2026