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Mastercard Credit Cards

Relax ... we've got options!

Our collection of Mastercard® Credit Cards1 gives you the options you are looking for when searching for a new card. We have a card to fit your lifestyle and card usage. Looking for great balance transfer* rates, we have them!

Founders Credit Cards

Essential

  • Mastercard Essential Credit Card

The Mastercard Essential Credit Card offers low payments with our lowest rate on a Credit Card. Show your team spirit with our University of South Carolina card artwork option.

Spend $50 in the first 90 days and get $50 statement credit2

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card

Guide to Benefits

Apply for a Mastercard Essential Credit Card

Features

Rates as low as

9.50% APR1

Annual Fees

$0

Balance Transfer Fees

Life Rewards

  • Mastercard Life Rewards Credit Card

The Mastercard Life Rewards Credit Card offers a low rate with Rewards. Show your team spirit with our University of South Carolina card artwork option.

Spend $500 in purchases in the first 90 days and get 10,000 points3.

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card

Guide to Benefits

Apply for a Mastercard Life Rewards Credit Card

Features

Rates as low as

11.50% APR1

Annual Fees

$0

Balance Transfer Fees

Extra World

  • Mastercard Extra World Credit Card

The Mastercard Extra World Credit Card offers Rewards with extra benefits! Show your team spirit with our University of South Carolina card artwork option.

Spend $1,000 in purchases in the first 90 days and get 20,000 points4.

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card

Guide to Benefits

Apply for a Mastercard Extra World Credit Card

Features

Rates as low as

13.50% APR1

Annual Fees

$0

Balance Transfer Fees

Essential

  • Mastercard Essential Credit Card

The Mastercard Essential Credit Card offers low payments with our lowest rate on a Credit Card. Show your team spirit with our University of South Carolina card artwork option.

Spend $50 in the first 90 days and get $50 statement credit2

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card

Guide to Benefits

Apply for a Mastercard Essential Credit Card

Features

Rates as low as

9.50% APR1

Annual Fees

Life Rewards

  • Mastercard Life Rewards Credit Card

The Mastercard Life Rewards Credit Card offers a low rate with Rewards. Show your team spirit with our University of South Carolina card artwork option.

Spend $500 in purchases in the first 90 days and get 10,000 points3.

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card

Guide to Benefits

Apply for a Mastercard Life Rewards Credit Card

Features

Rates as low as

11.50% APR1

Annual Fees

Extra World

  • Mastercard Extra World Credit Card

The Mastercard Extra World Credit Card offers Rewards with extra benefits! Show your team spirit with our University of South Carolina card artwork option.

Spend $1,000 in purchases in the first 90 days and get 20,000 points4.

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card

Guide to Benefits

Apply for a Mastercard Extra World Credit Card

Features

Rates as low as

13.50% APR1

Annual Fees

* Rate reduction only applies to balances transferred from July 1, 2022 to September 30, 2022. Special “introductory” rates will apply and remain in effect as to these specific balance transfers for 6 months from the date of the transaction. After 6 months from the date of the transaction, the special “introductory” rate will revert to the regular rate of interest in force on your account. This promotion and special rate does not apply to purchases or cash advances, or any transaction involving any payment to an existing loan at Founders. If, during the life of this promotional balance, the Founders Mastercard account becomes sixty (60) days delinquent, the promotional balance will revert to the normal rate of interest. Except as specifically provided, all terms and conditions of your existing agreements with the credit union remain in full force and effect. Rates, terms and conditions determined by an evaluation of credit history and underwriting factors are subject to change.
1 You must be 18 years or older to qualify. Qualifications for Founders Credit Cards are based on the Credit Union’s criteria, including applicant’s income and credit history. If you are approved for a Founders Credit Card, your assigned APR will come with your new card. APRs will vary with the market based on the Prime rate. Rates, terms and conditions are determined by an evaluation of credit history and underwriting factors and are subject to change.
2 Purchases only. Offer excludes balance transfers, cash advances, cash like transactions, refunds or adjustments. Promotional period begins on the date the card is delivered. Cash back is provided as a statement credit and will automatically be fulfilled within two billing cycles.
3 Purchases only. Offer excludes balance transfers, cash advances, cash like transactions, refunds or adjustments. Promotional period begins on the date the card is delivered. Once earned points will automatically be fulfilled within two billing cycles. For example, 10,000 points may be redeemed for $50.00 cash back.
4 Purchases only. Offer excludes balance transfers, cash advances, cash like transactions, refunds or adjustments. Promotional period begins on the date the card is delivered. Once earned points will automatically be fulfilled within two billing cycles. For example, 20,000 points may be redeemed for $200.00 cash back.
5 Certain restrictions apply. For details, see the Guide to Benefits that will accompany your new card.
6 See priceless.com for more details.
7 The Credit Union does not charge for use of the Service. However, your wireless carrier may charge you for messages you receive as a result of using the Service. You should contact your carrier for complete pricing details.
8 Not all Credit Card types are eligible for the Cash In program. Only members with a Founders Credit Card that accrues points are eligible. The minimum redemption amount is $25. Point requirements assigned to any award are subject to change without notice, and awards may be discontinued or substituted at any time. Points redeemed are non-refundable. The Credit Union reserves the right to cancel or modify the Cash In program at any time. For more information please visit foundersfcu.com/cash-in. For a complete list of terms, conditions and qualifications, please call 1-800-845-1614 or go to foundersfcu.com/loyalty-products-terms-and-conditions.
9 Payment Protection is a debt cancellation program administered by Minnesota Life Insurance Company, 400 Robert Street North, St Paul, Minnesota 55101. Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, contact your loan officer.
10 Certain terms, conditions and exclusions apply. See hellofresh.com/mastercard for more details.
11 Certain terms, conditions and exclusions apply. See doordash.com/mastercard for more details.
12 Certain terms, conditions and exclusions apply. See shoprunner.com/mastercard for more details.
13 Certain terms, conditions and exclusions apply. See lyft.com/mastercard for more details.
14 Annual Percentage Yield of 3.04% is accurate as of May 2, 2022. The APY may change after the account is opened. No minimum balance is required to open the account or earn the advertised APY. Fees may reduce earnings. Deposits can only be made by FFCU through qualifying or enrolling in a Loyalty Select Account Program. Members will be responsible for any associated tax liability and may receive a 1099-MISC and a 1099-INT as applicable. All members and account types may not be eligible for a Loyalty Select account.Click here for full terms and conditions
15 Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability.

Mastercard, Priceless and World Elite are registered trademarks, and Mastercard ID Theft Protection and the circles design are trademarks, of Mastercard International Incorporated. ©2021 Mastercard. All rights reserved.

Click here for the VISA Credit Card Agreement

Click here for the VISA Credit Card Disclosures

 

Auto Loans

as low as

1.99
%
APR*

Mortgage Loans

as low as

4.09
%
APR*

Credit Cards

as low as

9.50
%
APR*

Certificates

as high as

2.27
%
APY*

Apply for an Auto Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Auto Loan.

Founders Online Founders Online

NON-MEMBERS: Please complete our Auto Loan Application and Membership Application.

Apply for a Deposit Account!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

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NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Credit Card!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card.

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NON-MEMBERS: Please complete our Credit Card Application and Membership Application.

Apply for a Personal Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

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NON-MEMBERS: Please complete our Loan Application and Membership Application.

Apply for a Deposit Account!

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

Founders Online Founders Online

NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Personal Line of Credit!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

Founders Online Founders Online

NON-MEMBERS: Please complete our Line of Credit Application and Membership Application.

Founders Locations Search

Looking for a Founders location near you? Search for any of our Founders offices, ATMs and surcharge-free ATMs below!

 

Apply for a Recreational Vehicle Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Auto Loan.

Founders Online Founders Online

NON-MEMBERS: Please complete our Auto Loan Application and Membership Application.

Our Online Applications are currently unavailable due to a full system technology upgrade. Please check back on Monday, July 13 to start your application. Thank you for your interest in applying for a Loan or Deposit Account with Founders Federal Credit Union!

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Financial Education Event Request

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Founders’ involvement in the community spans across many different needs. Many Founders employees are experts in financial topics and are available to speak at your events.

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Please do not include or request personal account information on this form. If you need assistance with personal account information, please send a secure message via the Messages tab within Founders Online, or call 1-800-845-1614.

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Financial Wellness

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