U.S. Bank College Visa Card
Basic Information
Program ID: college-visa-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:29
Last Scraped: 01/15/2026 08:09
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 6 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $150.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus will be credited to your account within 2-3 billing cycles after meeting the spending requirement. Often, it appears on the statement following the one in which the requirement was met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x Dining & Entertainment, 2x Groceries & Streaming Services
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility Requirements: Applicants must be currently enrolled in an accredited U.S. college or university, be 18 years or older (or 21 if applying without a co-signer and demonstrating independent income), and possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants must demonstrate sufficient income to repay debts. Bonus Rule: Earn a $50 statement credit after spending $500 in the first 3 months of account opening. Application Rules: U.S. Bank's 2/12 Rule applies, meaning applicants are generally ineligible if they have opened 2 or more personal U.S. Bank credit cards in the past 12 months. Limited or no prior credit history is acceptable, but adverse credit history may result in denial.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit limit requests, rapid application for multiple U.S. Bank cards (violating 2/12), high cumulative credit limit across all U.S. Bank products, inactivity on existing U.S. Bank accounts, suspected fraud, or significant changes in financial stability.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent for college students to build credit history, no annual fee, simple rewards program, good for first-time cardholders.
Top Negative Feedback:
Low credit limits, foreign transaction fees, basic rewards compared to other cards, customer service can be inconsistent.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Discover it Student Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card
- Journey Student Rewards from Capital One
Card Value Score: 80.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 12 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0