Student Balance Transfer Credit Cards
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Much like 0% APR student credit cards can help college students save money on big-ticket purchases, a student balance transfer credit card can help you lower the cost of existing debt. In fact, all you have to do to avoid unnecessary interest costs is transfer the remaining balance from a credit card or loan to one of the student balance transfer credit cards listed below (some of which are issued by WalletHub partners) and pay it down before the 0% interest introductory period ends and the regular interest rate takes effect. Use a credit card payoff calculator to determine the monthly payments needed to reach zero balance within the necessary time frame, and don’t forget to include balance transfer fees in the cost of doing so. If you are under 21, the law requires that you also have either a co-signer or a demonstrable source of income in order to get a … show moreshow less
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Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.24% - 26.24% (V)
Rewards Details
- Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
- Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $10)
Regular APR
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12.24% - 22.24% (V)
Annual Fee
None
Rewards Rate
1.25 - 5 points / $1
Minimum Credit
Good
Rewards Details
- Get 10,000 bonus points when you complete your first purchase and spend at least $500 in the first 90 days.
- 5 points per dollar spent at qualifying Beaver merchant, including the OSU Beaver Store, Oregon State Alumni Association, Beaver Ticket Central, and Oregon State University Foundation.
- 1.25 points per dollar spent on all other qualifying purchases.
- Points redeemable toward cash back, gift cards, travel and merchandise.
Additional Info
- With the Oregon State University Credit Card, you can have peace of mind knowing you have zero fraud liability and a card with secure microchip technology.
- 0% Intro APR on balance transfers requested within 90 days of account opening.
- See More Details & Reviews About TheOregon State University (OSU) Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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17.24% - 27.24% (V)
Annual Fee
None
Rewards Rate
1.25% Cash Back
Minimum Credit
Good
Rewards Details
- Earn 1.25% cash back on all purchases.
- When your Upromise Program account is directly linked to an eligible 529 College Savings Plan you’ll receive a 15% bonus on your total cash back, including Upromise Round Up Amounts.
- Upromise Round Up lets you round up your purchases to the nearest dollar, based on the threshold you set (from $1 to $500). The total Round Up Amount is considered a purchase and also earns 1.25% cash back.
Additional Info
- 0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
- Get free 2-day shipping and free return shipping on eligible purchases with your complimentary ShopRunner membership.
- Free online access to your FICO® Credit Score
- $0 Fraud Liability protection
- See More Details & Reviews About TheUpromise Credit Card
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 months
Regular APR
→
16.24% - 26.24% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Limited History
Rewards Details
- Online offer: Get $150 cash rewards bonus after making at least $500 in purchase(s) within the first 90 days of account opening.
- Earn 1% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined category/grocery store/wholesale club quarterly purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Rewards are automatic and do not expire. There's no need to register your card or sign up to earn your cash rewards.
Additional Info
- 0% Introductory APR for 12 months on balance transfers made within 60 days of account opening.
- Security Benefits: $0 Liability Guarantee, ShopSafe® Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- See More Details & Reviews About TheBank of America® Cash Rewards Credit Card for Students
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 months
Regular APR
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15.24% - 25.24% (V)
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Limited History
Additional Info
- 0% Introductory APR for 15 months and no balance transfer fee, for balance transfers posted within 60 days of account opening.
- Security Benefits: $0 Liability Guarantee, ShopSafe®, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- See More Details & Reviews About TheBankAmericard® Credit Card for Students
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 6 monthsTransfer Fee: 3% (max $100)
Regular APR
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11.49% - 18.49% (V)
Annual Fee
None
Rewards Rate
1 point / $1
Minimum Credit
Excellent
Rewards Details
- With every purchase, earn points towards an array of valuable Gifts & Travel Awards or Cash Back.
- Travel Discounts - Special Reward savings on travel including airline, hotel and car rental. Cruise and experiential travel also available.
Additional Info
- Travel Accident Insurance covers you for accidental death and dismemberment protection when traveling by any common carrier worldwide.
- No fee for balance transfers, if completed at time of account opening.
- Free financial tools to manage your CorTrust CorPlatinum VISA account from the convenience of your computer: Pay your CorTrust Bank credit card bill, View statement activity on your credit card account and Generate reports to track category spending on your account.
- See More Details & Reviews About TheCorTrust Bank CorPlatinum Credit Card
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3% (min $10)
Regular APR
→
12.24% - 22.24% (V)
Annual Fee
None
Rewards Rate
1.25 - 5 points / $1
Minimum Credit
Good
Rewards Details
- 10,000 bonus points when you complete your first purchase and spend at least $500 in the first 90 days.
- 5 points per dollar spent at qualifying Duck merchants: Duck Store, University of Oregon Alumni Association, UO Ticket Office, and University of Oregon Foundation; 1.25 points per dollar spent on all other qualifying purchases.
- Earn points redeemable toward cash back, gift cards, travel, and merchandise with every purchase.
Additional Info
- 0% Intro APR on balance transfers completed within 60 days of account opening.
- 24-hour online account management
- Zero fraud liability.
- See More Details & Reviews About TheUniversity of Oregon Credit Card
NO FOREIGN FEE
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Community Discussion
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