4 cards side by side

Inspire Mastercard vs Rewards Mastercard vs School Employee Mastercard vs Share-Secured Mastercard

At a glance

Purchase interest (APR): not confirmed for Inspire Mastercard, so we don't say which is lower.
Foreign transaction fee: not confirmed for Inspire Mastercard, so we don't say which is lower.
Annual fee: not confirmed for Rewards Mastercard, School Employee Mastercard and Share-Secured Mastercard, so we don't say which is lower.

Inspire Mastercard compared with Rewards Mastercard compared with School Employee Mastercard compared with Share-Secured Mastercard
6 of 8 rows have data	Inspire MastercardSchoolsFirst Federal Credit Union3 of 8 facts on file · annual fee checked Oct 2026	Rewards MastercardSchoolsFirst Federal Credit Union5 of 8 facts on file · annual fee not yet checked	School Employee MastercardSchoolsFirst Federal Credit Union4 of 8 facts on file · annual fee not yet checked	Share-Secured MastercardSchoolsFirst Federal Credit Union4 of 8 facts on file · annual fee not yet checked
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Inspire Mastercard, so no card is marked lower.	Not confirmed	13.25%–17.9%	10%–17.9%	13.9%
Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Inspire Mastercard, so no card is marked lower.	Not confirmed	0%	2%	2%
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.Not confirmed for Rewards Mastercard, School Employee Mastercard and Share-Secured Mastercard, so no card is marked lower.	$0No annual fee	Not confirmed	Not confirmed	Not confirmed
Top earn ratesPer unit of currency spent, as the card states it. Not ranked: points in different programs aren't worth the same, and most rates don't record their unit.	Not confirmed	1.5x on everything else	Not confirmed	Not confirmed
Listed underThe sections of this site the card appears in.	Credit Building, Low Interest	Points, Rewards, Welcome Bonus	Cash Back, Low Interest	Credit Building, Secured
NetworkSame on allWhere the card is accepted.	Mastercard	Mastercard	Mastercard	Mastercard
Apply	Apply	Apply	Apply	Apply

Inspire MastercardSchoolsFirst Federal Credit Union3 of 8 facts on file · annual fee checked Oct 2026
Rewards MastercardSchoolsFirst Federal Credit Union5 of 8 facts on file · annual fee not yet checked
School Employee MastercardSchoolsFirst Federal Credit Union4 of 8 facts on file · annual fee not yet checked
Share-Secured MastercardSchoolsFirst Federal Credit Union4 of 8 facts on file · annual fee not yet checked

Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Inspire Mastercard, so no card is marked lower.

Inspire Mastercard: Not confirmed
Rewards Mastercard: 13.25%–17.9%
School Employee Mastercard: 10%–17.9%
Share-Secured Mastercard: 13.9%

Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Inspire Mastercard, so no card is marked lower.

Inspire Mastercard: Not confirmed
Rewards Mastercard: 0%
School Employee Mastercard: 2%
Share-Secured Mastercard: 2%

Annual feePer year. Lower is marked only when every fee has been verified against the issuer.Not confirmed for Rewards Mastercard, School Employee Mastercard and Share-Secured Mastercard, so no card is marked lower.

Inspire Mastercard: $0No annual fee
Rewards Mastercard: Not confirmed
School Employee Mastercard: Not confirmed
Share-Secured Mastercard: Not confirmed

Top earn ratesPer unit of currency spent, as the card states it. Not ranked: points in different programs aren't worth the same, and most rates don't record their unit.

Inspire Mastercard: Not confirmed
Rewards Mastercard: 1.5x on everything else
School Employee Mastercard: Not confirmed
Share-Secured Mastercard: Not confirmed

Listed underThe sections of this site the card appears in.

Inspire Mastercard: Credit Building, Low Interest
Rewards Mastercard: Points, Rewards, Welcome Bonus
School Employee Mastercard: Cash Back, Low Interest
Share-Secured Mastercard: Credit Building, Secured

NetworkSame on allWhere the card is accepted.

Inspire Mastercard: Mastercard
Rewards Mastercard: Mastercard
School Employee Mastercard: Mastercard
Share-Secured Mastercard: Mastercard

Apply

Not confirmed for any of these cards: Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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Inspire Mastercard
Rewards Mastercard
School Employee Mastercard
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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Inspire Mastercard review Rewards Mastercard review School Employee Mastercard review Share-Secured Mastercard review

Questions

Frequently asked

Can I hold Inspire Mastercard, Rewards Mastercard, School Employee Mastercard and Share-Secured Mastercard at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United States?

Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.