Associated Credit Union Student Rewards Visa: Your Ultimate Student Credit Card

The Associated Credit Union Student Rewards Visa is an excellent choice for students looking to build their credit history while earning valuable rewards. Issued by the reputable Associated Credit Union, this card is specifically designed to meet the needs of students who want to manage their finances responsibly and benefit from cashback rewards. Below, we cover a comprehensive overview of the cards features, rewards program, and eligibility criteria.

Card Type

The Associated Credit Union Student Rewards Visa is classified as a student credit card, providing an accessible entry point into credit for those pursuing their academic endeavors. This card is tailored for students navigating their financial journey, making it a commendable option for young adults starting to establish their credit profiles.

Annual Fee

One of the standout features of the Associated Credit Union Student Rewards Visa is that it comes with no annual fee. This allows students to enjoy the benefits of having a credit card without worrying about additional yearly costs, making it easier to manage finances while in school.

Rewards Program

This card offers a competitive rewards program designed to maximize benefits for students. Cardholders can earn 1.5% cashback on every dollar spent, which is an attractive incentive for students who frequently make everyday purchases. In addition to the standard cashback rate, the card also includes bonus categories during certain promotional periods, where users can earn even higher cashback rates on specific spending categories, such as dining and online purchases.

Sign-Up Bonus

New cardholders can take advantage of a generous welcome bonus that allows them to earn $150 cashback after spending $1,000 in the first three months of account opening. This gives students an added benefit for making necessary purchases during their initial time of using the card.

APR (Annual Percentage Rate)

The Associated Credit Union Student Rewards Visa features a competitive standard APR of 15.24% on purchases. It also offers an introductory 0% APR for the first six months on new purchases, which is especially beneficial for students making larger purchases or facing unexpected expenses.

Foreign Transaction Fees

For students who study abroad or travel internationally, this card is advantageous as it carries no foreign transaction fees. Cardholders can use the card overseas without incurring any additional charges, making it a practical choice for those studying outside their home country.

Balance Transfer Options

The Associated Credit Union Student Rewards Visa offers members the ability to transfer balances from existing cards. While the card does not feature a special introductory balance transfer APR, it does permit balance transfers with standard closing fees applicable. For students looking to consolidate credit card debt, this can be a practical financial strategy.

Additional Fees

While this card offers many benefits, it is essential to keep in mind some of the fees that may apply. The card charges a late payment fee of up to $38 if a payment is missed, a cash advance fee of either $10 or 3% of the amount of each cash advance (whichever is greater), and a returned payment fee of up to $38.

Card Benefits and Perks

Cardholders of the Associated Credit Union Student Rewards Visa can enjoy numerous benefits, including purchase protection on eligible purchases, extended warranty coverage, and travel accident insurance. These features provide peace of mind to students while shopping or traveling.

Customer Protections and Insurance

The card prioritizes user security with robust customer protections including zero fraud liability, meaning cardholders won’t be held responsible for unauthorized charges. Moreover, the card offers rental car insurance and purchase protection, adding extra layers of security for transactions.

Eligibility and Credit Score Requirements

Eligibility for the Associated Credit Union Student Rewards Visa is generally accessible, making it suitable for college students. Typically, applicants should possess a credit score above 680; however, students with no credit history are still encouraged to apply, as the card is specifically designed for those new to credit.

Introductory Offers

Apart from the introductory 0% APR on purchases, this card might feature additional promotions throughout the year, especially aimed at students, so keeping an eye out for those deals could yield significant savings.

Special Features or Unique Selling Points

A unique selling point of the Associated Credit Union Student Rewards Visa is its focus on building a financial foundation for students. The card not only rewards spending but also equips students with necessary financial education resources provided by Associated Credit Union, promoting smart financial practices.

How to Apply

Applying for the Associated Credit Union Student Rewards Visa is a straightforward process. Students can easily apply online by visiting the official website. The quick and secure application allows students to take the first step towards financial independence from the comfort of their homes. To initiate your application process, click UpCube.net for more financial insights or click