Pros & cons
Pros
- Pay no currency transaction fees on USD purchases.
- Earn rewards on your purchases.
Cons
- $50 USD annual fee.
Your rewards
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With 1st Choice Savings US Dollar Mastercard, here's how you earn rewards:
- 1 point per $2 USD spent
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For 1st Choice Savings US Dollar Mastercard in particular, if you spend $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $180 | |
| Travel | $180 | |
| Gift Cards | $149 |
Calculating your annual rewards
$36,000 annual spending x 0.50% return on spending = $180 annual rewards
$180 annual rewards − $50.00 annual fee = $130 net annual rewards
Details and eligibility
- Estimated Credit Score
- 560 - 659
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- US$50.00
- Extra Card Fee
- $35
- Card type
- Credit
- Purchase
- 19.99%
- Cash Advance
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
1st Choice Savings US Dollar Mastercard's 2.4 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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