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Premier Privileges Rewards Mastercard®

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Boasting a long 0% intro interest rate for purchases, balance transfers, and even cash advances — this card may be able to help you get out of debt. Along with no fee for balance transfers, you won’t pay an annual fee yet you’ll still earn 1.5X points per dollar on all purchases, and you can enjoy a handful of Mastercard benefits. To apply, you’ll need to open a savings account with Premier America FCU and contribute at least five dollars.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 10.50%–20.00% Variable
Intro Balance Transfer APR: 0% for 6 months
Intro Purchase APR: 0% for 6 months

Premier Privileges Rewards Mastercard®

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

  • 1.5X points per dollar on all purchases

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 6 months
Regular Balance Transfer APR 10.50%–20.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $15
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 10.50%–20.00% Variable
Cash Advance Fee 3%, $3 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

SECURITY
  • Zero Liability on Unauthorized Charges
SHOPPING
  • Purchase Protection
TRAVEL
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Emergency Travel Assistance
  • Trip Interruption Insurance
  • Baggage Delay Insurance
  • Travel Accident Insurance
Premier Privileges Rewards Mastercard®

Highlights

  • 1.5X points per dollar on all purchases
  • MasterRental Auto Insurance
  • Hotel/Burglary coverage
  • Trip Cancellation or Interruption Insurance
  • Lost/Damaged or Delayed Baggage Insurance
  • Travel Accident Insurance
  • Purchase Assurance
  • Airport Concierge
  • No balance transfer fee, no foreign transaction fee, and no overlimit fee
  • No annual fee
ABOUT THE ISSUER

Premier America Federal Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-772-4000

This Mastercard from Premier America Credit Union is a hidden gem, offering spending rewards, a decently long 0% intro rate for balance transfers, and a very rare feature: no balance transfer fee.

That means you can transfer a balance from another high-interest card over to this card, and you’ll get 6 months to pay it off at an APR of 0%, and then 10.50%–20.00% Variable.

You’ll get a slew of Mastercard benefits, including Trip Cancellation / Interruption Insurance, an Airport Concierge, Travel Accident Insurance, and more, listed in your Guide to Benefits when you receive the card.

Before you can apply, you’ll have to open a Premier America Credit Union savings account and contribute at least five dollars.