Credit Cards That Fit the Way You Spend

Whether you want to earn rewards, build credit, or keep a dependable card for everyday purchases, Somerset Trust can help you compare your options and choose what fits.

Man using credit card to pay at a restaurant

STC Mastercard® Rewards Credit Card

Enjoy the convenience of Mastercard® while earning rewards on everyday purchases. Rewards are earned through uChoose Rewards® when you use your card for qualifying purchases.

Best for

Customers who want to earn rewards on everyday purchases and access their rewards through uChoose Rewards.

Apply Now

Community Mastercard® Credit Card

Keep things simple with a dependable credit card for everyday purchases, planned expenses, and added flexibility when you need it.

Best for

Customers seeking a straightforward credit card for everyday purchases and financial flexibility.

Apply Now

How Rewards Work With uChoose

The STC Mastercard® Rewards Credit Card earns rewards through uChoose Rewards®. Once you register your card, you can track your points, view participating merchant offers, and redeem rewards through uChoose.

Register With uChoose

Sign up with uChoose Rewards® using your card information so you can access your rewards account.
Use Your Rewards Card

Earn points when you use your STC Mastercard Rewards Credit Card for qualifying purchases.
Track and Redeem Points

Log in to uChoose to view your point balance, explore offers, and redeem available rewards.

Learn More

Compare Your Credit Card Options

See how Somerset Trust credit cards compare.

	Mastercard® Rewards Credit Card	Community Mastercard® Credit Card
Introductory rate* Annual percentage rate for the first 6 statement closing dates for purchases and balance transfers	3.99%	3.99%
Annual percentage rate* Annual percentage rate after the introductory period ends for purchases and balance transfers	12.99%	10.99%
Annual Percentage Rate for Cash Advances	17.99%	14.99%
Balance Transfer Transaction Fees	2% or the amount of each balance transfer	2% or the amount of each balance transfer
Cash Advance Transaction Fees	Either $2.00 or 2% of the amount of each cash advance, whichever is greater	Either $2.00 or 2% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fees	$20.00 or the amount of the payment due, whichever is less	$20.00 or the amount of the payment due, whichever is less
Returned Payment Penalty Fees	$25.00	$25.00
Earns rewards?	Yes - Earn 1 point for every $1 spent	No
Contactless payment?	Yes	Yes
Digital wallet compatible	Yes	Yes
eStatements	Yes	Yes
Manage within online banking and our mobile app?	Yes	Yes

Introductory rate*

Annual percentage rate for the first 6 statement closing dates for purchases and balance transfers

3.99%
Community Mastercard® Credit Card: 3.99%

Annual percentage rate*

Annual percentage rate after the introductory period ends for purchases and balance transfers

12.99%
Community Mastercard® Credit Card: 10.99%

Annual Percentage Rate for Cash Advances

17.99%
Community Mastercard® Credit Card: 14.99%

Balance Transfer Transaction Fees

2% or the amount of each balance transfer
Community Mastercard® Credit Card: 2% or the amount of each balance transfer

Cash Advance Transaction Fees

Either $2.00 or 2% of the amount of each cash advance, whichever is greater
Community Mastercard® Credit Card: Either $2.00 or 2% of the amount of each cash advance, whichever is greater

Late Payment Penalty Fees

$20.00 or the amount of the payment due, whichever is less
Community Mastercard® Credit Card: $20.00 or the amount of the payment due, whichever is less