Whether you’re in college, or you’ve just graduated from high school, it’s important that you start building your credit. In order to make any major purchases, or even get certain jobs, you’re going to have to have a credit score and credit history. This is where a student credit card can be very beneficial.
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The Grow Financial Federal Credit Union offers the Visa Platinum Credit Card for Students. However, in order to qualify for this credit card, you have to be a member of the Grow Financial Credit Union. In order to become a member of the GFFCU you have to be a military member, or a member of the Friends of Military Families, LLC organization.
Grow Financial Federal Credit Union Visa Platinum for Students Credit Card Overview
One of the first things that you will like about this credit card is the fact that it is a low-interest credit card. As a student with no credit history finding a low-interest rate credit card can be difficult.
In addition, this credit card is part of the ScoreCard rewards program. Not only can you earn points for every dollar that you spend, but you can earn points for making good grades in school! Points can be redeemed for travel and merchandise.
As with any Visa card this credit card comes with fraud liability protection.
Grow Financial Federal Credit Union Visa Platinum for Students Credit Card Terms
The GFFCU Visa Platinum Credit Card for Students offers a 0% introductory APR for six billing cycles. The APR after that will be 13.9%, but this is only for purchases and balance transfers. The APR for cash advances will be 18%. In addition, the penalty APR for this credit card is 18%.
The only transaction fee is a foreign transaction credit card fee for use outside of the U.S., which is 1% of the transaction total. The penalty fees include a late payment fee of $35, a return payment fee of $25, and an over-the-credit limit fee of $25.
Grow Financial Federal Credit Union Visa Platinum for Students Credit Card Verdict
As a student, having a credit card with a low interest rate can save you a lot of money. Of course, this is true for any credit card, but as mentioned above, getting a low interest rate credit card as a student can be tough.
Even though this is a card to build your credit, you’ll still want to be aware of the information that Grow Financial will review when considering you for a credit card. You can find this information on the Federal Reserve’s web page for Credit Cards.
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