U.S. Bank College Visa Card

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U.S. Bank College Visa CardAs a college student, you have the opportunity for the beginning of many things. One such beginning is establishing credit in your own name. Of course, in order to do this, you have to get a credit card or loan. One credit card that you might want to consider for this purpose is the U.S. Bank College Visa credit card.

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The good news is that anyone can apply for the U.S. Bank College Visa credit card, as long as you are over 18 years of age. In other words, you don’t have to open up a bank account with U.S. Bank in order to apply.

U.S. Bank College Visa Card – Who the Card Is for

As mentioned above, this is a credit card for college students. However, if you’re a college student who has bad credit, you’ll need to find another solution for your credit card needs.

The qualifications for applying for this credit card include:

  • Being a U.S. resident
  • Being at least 18 years old
  • Having a valid Social Security number
  • Having a valid, registered identification card

U.S. Bank College Visa Card – Benefits & Considerations

One of the biggest benefits to choosing the College Visa credit card is that you’re going to start building your own credit.

This is not a rewards credit card, nor does it offer protection for things like rental car coverage, travel insurance, and so on.

This leads to the things that you should consider when looking at the College Visa credit card. First of all, the APR for this credit card ranges from 11.99% to 20.99%. This rate is based on your creditworthiness, so if you do not have any credit, then you can expect to pay the maximum 20.99% in interest.

According to the Credit Card Rules from the Federal Reserve, every creditor is required to check your credit every six months and reduce your rate, if you qualify for a better rate. You can request an update regarding this credit check to see where you stand.

The penalty rate for this credit card is 23.99%. In addition, every fee that the bank is allowed to charge by law, they do charge. What’s more, some of the fees are astronomical. For example, the ATM fee is a minimum of $10.

U.S. Bank College Visa Card – Verdict

It’s hard to support a credit card for college students that charges every fee possible, whenever possible. There are much better options for college students that you should consider.

The credit card chaser tool can help you find the right credit card for FREE today!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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