SchoolsFirst Inspire Mastercard vs Centurion Card from American Express

Side-by-side comparison of SchoolsFirst Inspire Mastercard and Centurion Card from American Express. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	SchoolsFirst Inspire Mastercard	Centurion Card from American Express
Issuer	SchoolsFirst FCU	American Express
Network	Mastercard	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$5000.00
Base Rate	1.50%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.0% (base)
Purchases over $5k	1.5% (base)	1.5%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	20 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	13.9% - 18%	12.74% - 21.74%
Cash Advance APR	18%	28.74%
Penalty APR	N/A	29.99%
Late Fee	$15	$40
Balance Transfer Fee	N/A	N/A

Insurance & Protections

Auto Rental	Secondary	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard