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 the low rate of 16.50% APR* 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.
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.
Are there any fees associated with this Mastercard?
There are no balance transfer fees, cash advance fees or an annual fee with this Mastercard.
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.
Can I access this card on my mobile device?
Yes. Online Banking lets you can manage your card on any device with United Texas Mobile or MobiMoney.
Do you have chip cards?
EMV Cards are available.
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.
When are payments due?
All Mastercard payments are due on the 15th of the month.
Do you offer ID Theft protection on your cards?
Yes, we do. Visit Mastercard’s ID Theft Protection page to sign up.
Mastercard has partnered with CSID, an industry leader in identity protection and fraud detection, to help keep your information safe. Mastercard provides its U.S. cardholders with services – at no extra cost – to help detect and resolve identity theft.
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Starter Mastercard® Rates & Calculator
|Starter Mastercard®||16.75% APR*|
*APR = Annual Percentage Rate. Rate effective as of July 5, 2018.
Minimum interest charge = None.
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Starter Mastercard® Why United Texas
- Credit limit up to $500
- 16.50% 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
I would never bank anywhere else. Always professional!! I would highly recommend to anyone!Lisa H., member since 1992
I needed help with a balance transfer to a new credit card. Rick gave me all the information to help me make an informed decision. He communicated with me every step of the way. I would recommend United Texas CU to anyone looking for the services they offer.
Katherine - Thanks for letting us know about your experience with Rick. We're happy that we were able to assist you with this decision. We sincerely appreciate your endorsement and your membership! Please let us know if you need anything else. We're here to help! -Karla
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Starter Mastercard® How it Works
How it Works
Apply for a Starter Mastercard online, in person or over the phone.
Provide proof of your income.
Discuss your options for repayment with a Financial Services Officer and sign your documents.
Congratulations on your new Mastercard!
Related Products & Services
*APR = Annual Percentage Rate.
**Minimum interest charge = None.
Lost/Stolen Card & Emergency Replacement: (800) 442-4757, anytime 24/7.
Frauds/Disputes: (800) 808-6402, Monday through Friday, 7 a.m. – 7 p.m. CST.
Outside these hours, please call (800) 528-2273.
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APR = Annual Percentage Rate