Rewards Preferred Mastercard®

Want a card that earns points or cash back? The Rewards Preferred Mastercard® delivers great rates and great rewards!

  • APR as low as 9.90% on purchases*
  • Balance transfers as low as 5.90% APR*
  • No annual or balance transfer fee
  • Bonus points or cash back rewards program
  • Extended warranty on purchases
  • Price protection
  • Identity theft resolution services

Note: If you prefer a no annual fee Visa® card, see the Rate Preferred Visa.


A Mastercard That Rewards You

Get a no annual fee  Rewards Preferred Mastercard that is accepted at millions of locations worldwide. Enjoy a reduced annual percentage rate (APR) for the first six billing cycles plus great rates on everything from purchases to balance transfers and cash advances.

Want More Details? View the complete Mastercard Rate & Terms Agreement (PDF).

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Complete our easy online application and choose Rewards Preferred Mastercard. If you are not yet a Credit Human member, we’ll start your membership with your loan application.

Bonus Points or Cash Back Rewards

Choose the Rewards Preferred Mastercard to get bonus points or cash back rewards — just pick the reward option that works best for you. If you need help with rewards, just call 800-854-0790.

Bonus Points: Earn one bonus point for every $1 in purchases spent on your Mastercard account or one point for every two dollars in debit card purchases. Bonus points can be redeemed for things like airline tickets, travel packages, and merchandise by visiting ScoreCardRewards.com. For travel reservations or inquiries, call 855-483-5005 for assistance.

Cash Back: Cash back rewards accumulate over a 12 month period from October 1 through September 30 each year. Rebate earnings are accrued and paid annually via a credit to your credit card account.

Earnings are calculated based on a tiered structure. You earn:

  • .25% (.0025), if the purchases are part of the first $1,000 in net retail dollars spent during the program year
  • .50% (.0050), if the purchases are part of the second $1,000 in net retail dollars spent during the program year
  • .75% (.0075), if the purchases are part of the third $1,000 in net retail dollars spent during the program year
  • 1.0% (.01), if the purchases are in excess of $3,000 in net retail dollars spent during the program year
Want More Details? View the complete ScoreCard Rewards Program FAQs (PDF).

Note: Bonus points and cash back rewards are not earned on cash advances, balance transfers, or conveniences checks, and are subtracted on returned items. Bonus points expire four years from earned date. Cash back rewards are credited to eligible credit card accounts beginning on approximately October 15 of each year.

Price Protection and Extended Warranty Services

When you use your Rewards Preferred Mastercard for purchases, you gain savvy consumer protections. For example, if you see a lower price in a printed advertisement or non-auction internet advertisement for a product you purchased with your Mastercard, the difference is covered up to $250 for eligible items.

Your Mastercard also automatically doubles the original manufacturer warranty up to a maximum of 12 months on most items you purchase. In eligible cases where you purchase a service contract or optional extended warranty, your Mastercard can extend coverage for an additional 12 months.

Want More Details? For more detailed information, see all Mastercard Cardholder Benefits (PDF).

Note: Restrictions apply on both price protection and extended warranty services, and not all purchases are eligible. To file a claim or discuss eligibility, call 800-MASTERCARD (1-800-627-8372) within 60 days of the purchase in question.


Identity Theft Resolution

As a Rewards Preferred Mastercard holder, you get access to personal identity theft resolution services. You will be provided with an identity theft resolution kit, affidavit assistance, credit card reporting agency notification and alerts, assistance with card replacement, and education on identity theft prevention. These services are free of charge to eligible cardholders.

Need Help? Should you believe you are a victim of identity theft, simply contact 800-MASTERCARD (1-800-627-8372) to get help 24 hours a day, 365 days a year.

All Credit Cards Feature:

Easy Access

With your Credit Human credit card, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more.

Digital Wallet

Add your Credit Human credit card to Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device. 
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24/7 Support

When it comes to your credit cards, we have your back. If your card is ever lost or stolen, call our credit card hotline 24 hours a day, 7 days a week. Just dial 866-839-3485.

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Compare Credit Card Rates

Take a look at how low rates from Credit Human compare to other credit cards.

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Rate Preferred Visa®

Look no further for a no annual fee credit card with great rates.

  • APR as low as 8.90% on purchases and cash advances*
  • Balance transfers as low as 7.90% APR*
  • No annual or balance transfer fee

Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

* Rates are variable and based on an evaluation of credit history, so your rate may differ.