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STUDENT CREDIT CARDS
Student Credit Cards are usually an issuer's regular VISA® MasterCard® or Discover® credit cards with less reward features and higher interest rates. For college students, they are invaluable in establishing credit, for convenience, and to learn responsible financial behavior. For high school students or for college students with a tendency to overspend, one of our prepaid cards might be a better choice. Both, student and prepaid cards, can be attained with little or no credit history. However, only student credit cards can help a student, if used responsibly, to start building a substantial credit history.
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- 0% Interest* on Purchases for 6 Months
- Build Your Credit History
- Full 5% Cashback Bonus® on gas and auto maintenance purchases*
- Up to 1% Cashback Bonus® on all other purchases*
- $0 Fraud Liability Guarantee
- No Annual Fee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: Full 5% on Gas Purchases*
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- 0% Interest* on Purchases for 6 Months
- 5% to 20% Cashback Bonus® at top online retailers*
- No Annual Fee
- $0 Fraud Liability Guarantee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: 1-20%* Cashback Bonus®
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- No upfront costs
- No hassle
- Multiple cards
- Free direct deposit
- Flexible fee plans*
- Access to cash
*See web site for Features & Fees.
Issuer: MetaBank
Total Initial Charge: $9.95
Annual Fee: $0.00 or $69.95*
Monthly Fee: $0 or $9.95*
Returned Check Fee: $5.95
Grace Period: N/A
Credit Line: $5,000 Maximum Deposit
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- Perfect for any occasion or holiday - makes the impersonal gift personal again
- Upload your own photo or choose one from our huge design gallery
- Customize your card with an embossed message
- Cards are available in denomination of $10 to $250 and are accepted anywhere Visa debit cards are accepted
- Online access lets you easily check your balance and transactions
- Cards are only $5.95 and are delivered in 5 to 10 business days
*See web site for details.
Issuer: Marshall Bank, N.A.
Total Initial Charge: 5.95*
Credit Line: $10-$250 in denomination of $10 to $250*
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- Instant Guaranteed Approval* - no credit check, no security deposit
- $0 ACTIVATION FEE - when you load your card by direct deposit
- Free Direct Deposit - no more check cashing fees
- Free Online Bill Pay - no need for expensive money orders
- Free Credit Builder? - bill pay transactions are reported to PRBC®
- No Overdraft Fees - no minimum balance required
- iAdvance loan option, no credit check needed.*
- Reloadable - $10,000 balance limit
*See web site for Features & Fees.
Issuer: MetaBank
Total Initial Charge: $19.95 (Plus Plan)
Monthly Fee: $4.95 (Plus Plan)
Overlimit Fee: $29.00
Returned Check Fee: $29.00
Grace Period: N/A
Credit Line: relodable $10,000
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- Receive your new Visa® card in as little as 3 days
- No Upfront Payment Required
- Overdraft Safety Program
- Rewards Program
- Integrated Bill Pay Service
- Convenient Loading Options
*See Terms and Conditions.
Issuer: BankFirst
Total Initial Charge: $9.95
Annual Fee: None*
Monthly Fee: $3.95
Reward Program: Wired Points™
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- Carry your money safely and conveniently.
- Shop online anywhere MasterCard debit cards are accepted.
- Check your Card balance anytime online or over the phone.
- Reload your Card at any participating Western Union Agent location in the United States.
- No credit checks! No lengthy applications!
- Shop wherever MasterCard debit cards are accepted — even online
- Efficiently manage your money and pay bills because you control how much you put on the Card.
- Easy to Get, Easy to Use
- The power of cash. The convenience of plastic.
Issuer: BankFirst
Total Initial Charge: $9.95
Monthly Fee: $4.95
Overlimit Fee: $25.00
Credit Line: $2,500 (maximum Card Balance Value)
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Student Credit Cards, just like Student Loans, are good ways to establish credit history. These days, finances are more important than ever and someone's credit history equals his/her financial reputation. One's credit rating, more than anything else, helps lenders determine if an applicant is creditworthy or not. In addition, companies and individuals with a legitimate business need, will review credit reports. For example, a credit report can be used to determine if one has the necessary qualifications to rent a house or an apartment. Student Credit Cards, when wisely used, can be a great help to establish credit history.
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