The Security Service Federal Credit Union MasterCard Gold credit card is a no-fee credit card. Members can receive either a Visa or MasterCard at the Gold level. SSFCU also offers a MasterCard Rewards card and a Classic credit card from both Visa and MasterCard. The Gold cards have the lowest interest rates of these cards.
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Security Service offers its neighborhood banking feel to residents of certain areas of Texas, Utah, and Colorado. It also reaches out to members of the armed forces, as well as civilian employees of military bases. Immediate family members of any current member can also apply regardless of location.
SSFCU MasterCard Gold Credit Card Low Rates
The SSFCU MasterCard Gold card has the lowest interest rate of any credit card that SSFCU offers. The APR can be as low as 8.75%. This rate also applies to credit card cash advances. The balance transfer rate is 8.9% and the foreign transaction fee is 1%.
SSFCU calls this the “no-fee’ card, since they don’t charge an annual fee or inactivity fee. You will also not pay a charge to transfer your balance over to the MasterCard Gold. SSFCU will charge a late fee if you make a late payment, but the maximum late charge is $20.
Perhaps best of all is the 25-day grace period.
If you pay your balance each month before the due date, you’ll never have to pay interest, making the card virtually free.
Though the card doesn’t have all the frills that some cards offer, according to this Wall Street Journal article, many cardholders are finding that a no-frills credit card is just what they need.
SSFCU Credit Card Options
When applying for a card from SSFCU, you can choose between a Visa Gold or the MasterCard Gold described above. The Visa Gold has the exact same interest rate and fees as the MasterCard.
In addition, you can also choose a MasterCard Rewards card. This credit card is good for those who pay off their credit card debt in full each month, so they don’t mind a higher APR and want to earn a little something extra from their card. If you don’t quite qualify for the Gold cards, you can also look at the Visa and MasterCard Classic cards from SSFCU.
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