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CREDIT CARDS FOR STUDENTS
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.
Get your info to go.
Our online and mobile account tools help you manage your account and pay your bill on time.
Download the U.S. Bank Mobile app today at usbank.com/mobile.
Once you activate your card, you can set up mobile text alerts that will notify you:
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.
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.
Late payments or going over the limit may damage your credit history.
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.
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.