The U.S. Bank College Visa Card is a credit card for college students designed to be an easy way to establish credit. To apply for this student credit card, you must be over 18 years old and a currently enrolled student – there is no co-signer requirement for applying.
Unlike some other student credit cards, this one does not have an introductory APR rate or period. The standard APR for purchases is a range of APRs. Eligibility for the standard and other APRs is based on the Prime Rate market and your personal credit worthiness. There are fees for cash advances and balance transfers. The U.S. Bank College Visa Card has no penalty APR, which is great for a first credit card when you may forget to make a payment.
The fees charged for the U.S. Bank College Visa Card are fairly standard. There is no annual fee to be a cardholder, but there is a fee for each late payment and returned payment. There is an international purchase fee, which is a percentage balance of the purchase. The card includes a grace period for making payments without accruing interest. The cash advance fee for the U.S. Bank College Visa Card is different depending on how you perform the cash advance. If you use a convenience check, there is a fee.
This student credit card does not have an associated rewards program. It is designed to be a simple student credit card solution for those who want to begin building credit.
The U.S. Bank College Visa Card has similar services as other student credit cards. There is $0 liability protection, which shields you from fraudulent purchases made using your credit card information. Should fraudulent purchases be made, you aren't responsible for repayment. The U.S. Bank College Visa Card also has auto-rental insurance when you use it to rent a car. In addition, travel and emergency assistance are included.
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U.S. Bank has phone, email and live chat member support options available 24/7. It offers emergency card replacement to replace your credit card quickly should it be lost or stolen. This keeps you from being stranded without a means of making needed purchases. There is a FAQs section on U.S. Bank’s website for further information.
Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "GO" button, you can review the credit card terms and conditions on the issuer's website. The Annual Percentage Rate or APR is reflective of the date this review was last updated.