MasterCard® Classic Card

No annual fee and no over the limit fee

MasterCard® Classic Card

A MasterCard® Classic Credit Card best for taking advantage of low rates with no annual fee and no over the limit fee.

MasterCard® Classic Card

See Monthly Recurring Transactions
24/7 access to a list of merchants that charge your MasterCard^®
Authorized User
Add an authorized user to your account, and track spending by user.
Balance Transfer
Transfer your high-rate balance onto a NJFCU MasterCard^® Credit Card.
24/7 Credit Card Assistance
Classic Credit Card Assistance available to you 24 hours a day.

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Benefits

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No Annual Fee & No Over the Limit Fee

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Access a Higher Credit Line with a Classic Card

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A Low Rate with Convenience, Flexibility & Security

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Lost or Stolen Card?

Classic Credit Card

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MasterCard Classic Card	APR*
Variable Rates for Purchases	15.24% ‐ 18.00% APR*
Rates for Cash Advances	18.00% APR*
Rate Maximum	18.00% APR*
Minimum & Maximum Amounts	Minimum: $500 Maximum: $10,000
Annual Fee	$0

*APR=Annual Percentage Rate. Rates and terms are accurate as of ’09/17/2025’. The APR for MasterCard® Classic card will be, depending on your creditworthiness at account opening, at 15.24% – 18.00%. The APR for MasterCard® Liberty card will be at 15.24%. The APR for MasterCard® Platinum Rewards card will be, depending on your creditworthiness at account opening, at 17.24% – 18.00%. This APR will vary with the market based on the Prime Rate. There is a 3% transaction fee of each cash advance. The Foreign Transaction Fee is 1% of each foreign transaction in U.S. dollars. Rates and terms are subject to change without notice. Membership conditions apply.

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