Rewards and a fixed rate? You can have it all!

Choose from six million rewards with 0% intro Annual Percentage Rate (APR) for six months and no annual fees. After a fixed rate between 8.45% - 17.95% APR will apply.
Fees Rate Limit Rewards Bonus Features
Make your everyday purchases work for you.

Transform them into rewards when you earn points for dollars spent.
No Annual Fee

No Balance Transfer Fee1

No Over-Limit Fee

No Foreign Transaction Fee
0% Intro APR2; for the first 6 months

After that, a fixed rate between 8.45% - 17.95% APR will apply3 1
$1,000 - $50,000 Earn 1.5 points per dollar on purchases

No point limits and no expirations4

Redeem points for over six million rewards including:
  • Travel
  • Merchandise
  • Gift Cards
  • Events, Activities
  • Cash Back via account credit
  • New accounts receive 10,000 bonus points if $500 is spent in the first 3 months.5
  • MasterRental®
    Auto Insurance6
  • Hotel/Burglary coverage
  • Trip Cancellation or Interruption Insurance
  • Lost/Damaged or Delayed Baggage Insurance
  • Travel Accident Insurance
  • Price Protection
  • Purchase Assurance
  • Extended Warranty
  • Satisfaction Guarantee
  • Identity Theft Resolution Services


Explore Premier Privileges Rewards today!

1Waiver of transfer fees applies only to balances transferred from another lender to Premier Privileges Rewards Mastercard® via a transfer request submitted to Premier America Credit Union in-branch or online. Minimum cash advance is $100 and minimum fee is $3 or 3% of advance amount. $15 late fee if payment is not received within 15 days of due date.
2APR=Annual Percentage Rate. 0% intro APR for 6 months. After intro period, a fixed APR applies ranging from 8.45% - 17.95%.
3Qualification and rate is based on an assessment of individual creditworthiness and our underwriting standards.
4Account must be open, current and in good standing.
5New cards receive 10,000 bonus points if $500 is spent in the first 3 months. Premier America Credit Union does not grant rewards points for balance transfers. A deposit of $5.00 into a Smart Savings account is required to join Premier America Credit Union. For businesses, an initial deposit of $250.00 into a Business Savings account is required to join Premier America Credit Union. Insured by NCUA.
6Certain terms and conditions apply. To secure bonus feature coverage you must use your covered Mastercard card. Please refer to Benefits for details. Equal Opportunity Lender.