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Premier Privileges Standard Mastercard®

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This card doesn’t earn rewards but it does offer a long 0% intro rate for purchases, balance transfers, and cash advances, with no balance transfer fee. Eligibility for the card is limited to family members of Premier America members, affiliated companies, Alliance for Arts members, and those who live in select counties in California and Texas.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 10.25%–17.25% Variable
Intro Balance Transfer APR: 0% for 6 months
Intro Purchase APR: 0% for 6 months

Premier Privileges Standard Mastercard®

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

Highlights & Features

Balance Transfers

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

Intro Balance Transfer APR 0% for 6 months
Regular Balance Transfer APR 10.25%–17.25% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $15
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee 1%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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 0% for 6 months, then 10.25%–17.25% Variable
Cash Advance Fee 3%, $3 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
Premier Privileges Standard Mastercard®


  • 0% introductory rate on balance transfers, purchases, and cash advances for 6 months, after which your rates will be 10.25%–17.25% Variable
  • Credit limits between $1,000 and $30,000
  • Airport Concierge
  • ID Theft Protection
  • Mastercard Global Service
  • No balance transfer fee
  • Annual fee: $0

Premier America Federal Credit Union

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This card is great for balance transfers since there’s no fee, and you’ll get a 0% introductory rate on balance transfers, purchases, and cash advances for 6 months, after which your rates will be 10.25%–17.25% Variable.

You’ll get just a few benefits including ID Theft Protection, an Airport Concierge, and Mastercard Global Service.

Before you can apply for the card you’ll have to become a member of Premier America Credit Union. Eligibility is available if:

  • One of your family members is already a Premier America member
  • You are an employee or member of an affiliated company
  • You live, work, or attend school in Ventura County, the San Fernando Valley, Santa Clarita Valley, or within 10 miles of the Wesheimer branch in Houston, Texas
  • You are a member of the Alliance for Arts

This card also has no annual fee.

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