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Mastercard2/4 on file
✓ Annual fee checked
Credit Human · Mastercard

Rate Preferred Mastercard

Low InterestNo Annual Fee

The Rate Preferred Mastercard is a Mastercard from Credit Human with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked credithuman.com
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Credit union with branches in: Texas (22), Louisiana (6), North Carolina (1), Washington (1). Where it has branches is not a rule on who may apply.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Rate Preferred Mastercard, exactly as recorded.

Annual fee
$0Checked credithuman.com
Supplementary card
Not confirmed
Foreign transaction
1.1%Checked credithuman.com
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
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The welcome offer

No welcome offer on file

We hold no published welcome offer for the Rate Preferred Mastercard. That may mean there isn’t one, or simply that we have not recorded it — Credit Human’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Rate Preferred Mastercard. Rather than print a multiplier we cannot source, this stays blank until Credit Human’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the Rate Preferred Mastercard?

You'll finish the application on Credit Human's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Credit Human’s site
Questions

Questions about the Rate Preferred Mastercard

How much is the Rate Preferred Mastercard annual fee?

The Rate Preferred Mastercard has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Rate Preferred Mastercard earn?

We could not verify the Rate Preferred Mastercard's earn rates, so we do not print a multiplier. Check them on Credit Human's own site.

What network is the Rate Preferred Mastercard on?

The Rate Preferred Mastercard runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Rate Preferred Mastercard available in United States?

Yes — the Rate Preferred Mastercard is issued by Credit Human and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Rate Preferred Mastercard figures last checked?

We checked its annual fee in October 2026 and its foreign transaction fee in September 2026, each against a published document. We could not verify, so we do not print: purchase APR, earn rates and welcome offer. Check them with Credit Human. Terms can change without notice, so confirm the current details with Credit Human before you apply.