No credit? Get it established with a Starter Mastercard.
Starter Mastercard® Tips, Info & FAQs
Start building credit at a low interest rate with a credit limit up to $500
No credit? No problem. A Starter Mastercard is perfect for members 18 years or older who want to establish their credit. You get all the benefits of our Platinum Mastercard® at a competitive rate with a credit limit of up to $500. Plus, you’ll automatically earn 1% cash back every month on your net retail purchases, with no minimums or caps on your rewards.
How to Build Your Credit Like a Pro
Whether your credit is good, bad or non-existent, it has a big impact on your life — probably bigger than you think. Your credit score gets around. Your boss has seen it. Your landlord has seen it. And if you want to buy a house or a car, apply for certain jobs, or take out a student loan, that number is going to get peeped at by many more people. Higher scores mean higher credit limits and loan amounts, better interest rates and more opportunities. But how do you get a high credit score? More importantly, how do you keep it there? Read on for three tips to help you build healthy, sky-high credit.
Pay Your Bills on Time
It may seem overly simple, but you’d be surprised how many people screw this up. (We’ve all been there.) Stay on top of utility payments, tuition bills and credit card payments to keep your credit score high. Even if you’ve fallen behind in the past, two years worth of of on-time payments is all you need to get the credit benefits of payment punctuality.
Be Stingy with Your Credit History
Before you co-sign on that friend’s loan, think about about how many hits you’ve had on your credit history lately. Have you checked your credit score? Turned in an application for an apartment? Purchased a car? Opened a new line of credit? Even if they’re offering sweet discounts every other Tuesday, you may want to say no to that store credit card. You’ll thank us later.
Use Your Credit Cards…And Your Brain
It’s great to have credit cards, both to build your credit score and to bail you out in emergencies. But remember, they’re not magic. Every time you whip one out, a bill turns up in the mail. Still, people who use their credit cards — and pay their bills on time — have a higher credit score than people who don’t use them at all. So use credit cards to buy your gas or groceries, and pay down your bill every month.
Resources
FAQs
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Do I have to pass a credit check?
Yes. We’ll pull credit for a Starter Mastercard. If you have no credit, you may still qualify.
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Are there any fees associated with this Mastercard?
There are no balance transfer fees, cash advance fees or an annual fee with this Mastercard.
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How long will it take to get my card?
Loans are usually approved the same day. The card can take up to seven to 10 business days to arrive.
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Can I access this card on my mobile device?
Yes, you can manage your card on any device with Online Banking, United Texas Mobile, or the CardNav app.
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Do you have chip cards?
EMV Cards are available.
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What is the grace period for purchases so I can avoid paying interest?
You have a 25-day grace period before interest starts to accrue.
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When are payments due?
All Mastercard payments are due on the 15th of the month.
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Do you offer ID Theft protection on your cards?
Yes, we do.
Yes, we do. We offer enhanced Mastercard ID Theft Protection. This is an automatic built-in benefit to your card to better safeguard you against possible identity theft. Visit https://www.mastercardus.idprotectiononline.com/enrollment/embedded.html to sign up.
Generali Global Assistance Inc. provides this benefit. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
Starter Mastercard® Rates & Calculator
Loan Calculator
For an accurate determination of your options, please click on the red "Apply Now" button, complete our short application, and see your credit card offers, with no impact to your credit.
Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Starter Mastercard®
| Starter Mastercard® | 17.99% APR* |
*APR = Annual Percentage Rate. Rate effective as of August 1, 2023.
Minimum interest charge = None.
Starter Mastercard® Why United Texas
Starter Mastercard
- Credit limit up to $500
- 18.00% APR*
- No annual fee**, balance transfer fee, or cash advance fee
- 25-day grace period
- Earn 1% cash back with no minimums or caps on what you can earn
Testimonial
I would never bank anywhere else. Always professional!! I would highly recommend to anyone!
Lisa H., member since 1992
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Starter Mastercard® How it Works
How it Works
STEP 1
Apply for a Starter Mastercard online by completing our quick loan application, in person or over the phone.
STEP 2
Provide proof of your income.
STEP 3
Open a savings account with a $5 minimum opening deposit if you are NOT already a member of United Texas.
STEP 4
Sign your loan documents in person or electronically.
STEP 5
Congratulations on your new Mastercard!
Need a Hand?
More Info
*APR = Annual Percentage Rate.
**Minimum interest charge = None.
Lost/Stolen Card & Emergency Replacement: (800) 531-8456, anytime 24/7.
Frauds/Disputes: (800) 531-8456, anytime 24/7.