Starter Mastercard®

No credit? Get it established with a Starter Mastercard.

Starter Mastercard®

No credit? Get it established with a Starter Mastercard.

Start Building Credit At A Low Interest Rate.

No credit? No problem! Start building your credit with a Starter Mastercard. Designed for members aged 18 or older, this card offers all the perks of our Platinum Mastercard® at a competitive variable rate. 

Enjoy a credit limit of up to $500 and earn 1% cash back on all your net retail purchases every month. Best of all, there are no minimums or caps on your rewards.

For a faster, more secure way to pay online, experience the convenience of Click to Pay today!

How to Build Your Credit Like a Pro

Whether your credit is good, bad, or non-existent, it has a significant impact on your life – perhaps more than you realize. Your credit score is widely seen by various people, from your boss to your landlord. And if you’re looking to make major purchases, apply for certain jobs, or obtain a student loan, that number will be closely scrutinized by even more individuals. 

A higher credit score opens doors to higher credit limits, larger loan amounts, better interest rates, and greater opportunities. Wondering how to achieve and maintain an impressive credit score?  Keep reading for three valuable tips on building and maintaining excellent credit.

Pay Your Bills on Time

Don’t underestimate the importance of staying on top of your payments. It may sound simple, but many people struggle with this. Make sure you stay current with utility bills, tuition fees, and credit card payments to maintain a high credit score. Even if you’ve had past difficulties, just two years of consistent on-time payments can boost your credit benefits.

Be Stingy with Your Credit History

Before you co-sign on that friend’s loan, consider the recent hits on your credit history. Have you checked your credit score? Applied for an apartment? Bought a car? Opened a new line of credit? Even if they tempt you with irresistible discounts, it might be wise to decline that store credit card. Trust us, you’ll be grateful in the future.

Use Your Credit Cards…And Your Brain

Having credit cards can be a valuable tool for building your credit score and providing financial security during emergencies. However, it’s important to remember that credit cards are not magic – every purchase comes with a bill. Nevertheless, using credit cards responsibly, such as making timely payments, can actually improve your credit score compared to not using them at all. So go ahead and use your credit cards for everyday expenses like gas or groceries, but be sure to pay off your balance in full each month.

Rates & Calculator

Loan Calculator

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Disclaimer: Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their applicability or accuracy in regards to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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Starter Mastercard®

Starter Mastercard®17.25% APR*

*APR = Annual Percentage Rate. Rate effective as of December 20, 2024.
Minimum interest charge = None.
Foreign Transaction Fee = up to 1% of each transaction in U.S. dollars.

Frequently Asked Questions

Yes. We’ll pull credit for a Starter Mastercard. If you have no credit, you may still qualify.

There are no balance transfer fees, cash advance fees, or annual fees with this Mastercard.

Loans are usually approved the same day, and it can take up to 7 to 10 business days to get your card.

Yes, you may access your card using Online Banking, United Texas Mobile or our CardNav app.

Yes, EMV cards are available.

You have a 25-day grace period before interest starts to accrue.

All Mastercard payments are due on the 15th of the month.

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://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.