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CREDIT CARDS FOR STUDENTS

U.S. Bank College Visa® Card

The card that puts you in control, on your own terms.

The U.S. Bank College Visa Card comes with tools and services that can guide you to smart spending and building good credit.1 It puts you in control of your spending on your own terms – helping you get the things you need now while building up your credit to help with future expenses, like buying a car or renting an apartment.

 

  • Personalized mobile alerts – Stay up to date with alerts sent to your phone that can notify you when your payment is due and more. 2
  • Zero fraud liability3 Always shop confidently – online and in-store. You are not responsible for unauthorized transactions if your College Visa credit card or account number is ever lost or stolen – and replacement cards can be sent within 48 hours.
  • Free online account access — Download our Mobile app or sign on with your computer to view your transactions in real time. It’s a simple way to track spending and balances and make payments on your College Visa card.
  • No annual fee — Our card comes with no annual fee. And if you pay your balance in full every month, you’ll avoid interest charges on purchases.

Apply for a College Visa Card right now.

See all credit cards

Get your info to go.

Our online and mobile account tools help you manage your account and pay your bill on time.

  • Check (and pay) your current balance
  • See when your next payment is due
  • Review your transactions
  • See how much credit you have available

Download the U.S. Bank Mobile app today at usbank.com/mobile.

Stay in control with instant mobile alerts.

Once you activate your card, you can set up mobile text alerts that will notify you:

  • When your statement is available
  • If you exceed a set balance limit
  • Of an upcoming payment
  • Of an overdue payment
  • When a payment has been posted and more.

You don’t need the mobile app to get mobile text alerts.

How to build your credit with a credit card

Credit cards can be a smart way to establish a credit history, which will be important to you throughout your life – but they’re best for people who have a job or a regular source of income. If you’re living from student loan check to student loan check, a prepaid card, which limits spending to the funds deposited onto the card, might be a better option for you.
If you decide to get a credit card, here are a few good rules for using it.

Make small purchases and large payments.

A smart rule to follow: Never to charge more in a month than you can pay off easily. If you can’t pay the balance in full, pay as much as you can; always try to pay more than the minimum payment. This way you’ll pay less in interest as you build your credit history.

Never max out your card.

By staying well below your card’s spending limit, you’ll show potential creditors how financially responsible you are – and you’ll always have plenty of credit on hand for true emergencies.

Always pay your bill on time. Always.

This is the golden key to building a solid credit history. Automatic payments are easy to set up and a great way to make sure this happens, but you can also pay your U.S. Bank College Visa online, with our mobile app, in a branch or by mail. If mailing, give your payment plenty of time – try sending it at least two weeks before the due date.

More tips can be found in our Money Tips for Students:
What Is “Good Credit”? | What’s a Good Credit Score?

We may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

  1. Late payments or going over the limit may damage your credit history.

  2. You may be charged access fees by your carrier, depending upon your personal plan. Check with your carrier for details on specific fees and charges.

  3. U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

     

    This card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

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