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Where do I get a student MasterCard?

I would like to get a credit card but don’t know where to get it. There are so many options that it is really hard to choose from. I’ve looked at various offers and all of them seem to be decent. Most banks have identical offers but claim they are the best. How do I open a student credit account? What is a reliable place?

I think that MasterCard for college students is a must-have. It is as popular right now as having a smartphone. I would really appreciate your advice in helping me to choose a student MasterCard.

Whitney Matthews

in Student Loans

1 answer

1 answer

Ross Pratt on January 31, 2018

You are right, there are many options and most of them seem like a good choice. However, you have to dig dipper to find good college students MasterCard offers. First of all, look here

BayPort Credit Union is a great choice for personal banking. Its student MasterCards are meant for the members aged 18 to 24. The rates range from 8.49% to 17.99% APR. The bank’s points-based programs provide you with a great flexibility. You can choose the program that suits your needs and budget the best. It is an ideal time to join their family – the new members get a trial 3.99% APR on balance transfers from their other credit cards for 12 months.

Let’s look at their points system a little closer. When you open an account, you receive 1500 ScoreCard ® Bonus Points that you can redeem for various valuable products and services. In addition, you get a bonus point for every dollar you charge.

The student credit accounts at BayPort also include an insurance coverage and an easy online access to your credit history. No annual fees, ATMs worldwide, low competitive rates – all these bonuses make BayPort one of the best options for college students.

If you are looking for more options, take a look at other offers. Deserve® Edu Mastercard for Students is another Mastercard partner with competitive rates. You can get up to $5000 credit line with no co-signer required. For most people, this is not so important. However, there are those students who greatly appreciate this “no co-sign” detail. The service has good student cashback – 1% on all purchases. Just as BayPort, Deserve has no annual fees and can be used anywhere in the world.

Another popular option is Citi ThankYou® Preferred Card for College Students. It also operates on the bonus points system that gives the Citi ThankYou members some really useful benefits. The first three months of your account’s life are the most profitable. For every $500 you spend, you earn 2,500 bonus points. In addition, when dining in a restaurant, you get your points at a double rate. There is simply no limit to the number of points you can get. The regular no annual frees and the worldwide usage are a pleasant bonus.

Here are the three options that I trust the most and can honestly advise you. You can find more offers on the internet, but why waste your time when you already can choose from the abovementioned ones?

Noel Byrd2 years ago

Yes, these three banking options are most popular among students. However, I’d like to offer you one more alternative. AIB is a personal favorite of mine. It has great student MasterCard programs that give you financial flexibility. The annual interest rates are variable. However, AIB has a few requirements for their members to qualify for a student credit card.

First of all, you have to be a third level student in full-time education. Also, your IB account has to be opened for at least three months. And, of course, people under 18 years old don’t qualify. The bank doesn’t ask for any annual fees, you just pay the regular government stamp duty. A great option is the mobile MasterCard payment that uses the secure services of Android Pay and Apple Pay. Another detail that may seem minor to many people but is important to me is the quality of service. Their customer service staff is available 24/7 and can help you with any issues you may face.

This is what I choose.

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