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Tompkins Community Bank College Rewards Visa® Credit Card

tompkins trust college rewards visa card

Tompkins Community Bank College Rewards Visa® Credit Card

4.2WalletHub Rating

WalletHub Rating

4.2

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

4.5

Market Comparison

4.2

fees: 4.2

rewards: 4.3

cost: 4.1

Other Features: 5.0

TermsReviewsFAQContact

WalletHub Rating

4.2/5

Tompkins Community Bank College Rewards Visa® Credit Card has a rating of 4.2/5 according to our proprietary credit card rating system. This rating reflects how appealing Tompkins Community Bank College Rewards Visa® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Build Credit by Paying in Full Each Month (Students)'. To break it down further, Tompkins Community Bank College Rewards Visa® Credit Card earned a score of 4.2/5 for Fees, 4.3/5 for Rewards, 4.1/5 for Cost, and 4.5/5 for User Reviews. Info about the Tompkins Community Bank College Rewards Visa® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

User Reviews

4.5/5

76 reviewsRead and write reviews

Market Comparison

4.2

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Build Credit by Paying in Full Each Month (Students)” for this card.

Fees

4.2

Rewards

4.3

Cost

4.1

Other Features

5.0

4.2/5

Compared against 1,500+ credit cards

KEY TERMS

Fair Credit, Limited History, No Credit

Annual Fee

APR on Purchases

0% intro APR for 6 months, 18.24% - 28.49% (V) APR after that

Balance Transfer

0% intro APR for 6 months, 18.24% - 28.49% (V) APR after that

Balance Transfer Fee 3% (min $5)

Rewards

Earn 2,500 bonus points (worth up to $25) after your first purchase.

Earn 1.5 points monthly for every $1 you spend on eligible net purchases.

Earn unlimited points and you have five years to redeem for rewards.

Redeem your points for cash back, travel, merchandise or gift cards.

Tompkins Community Bank College Rewards Visa® Credit Card's Additional Info

0% Introductory APR for 6 months on balance transfers made within 186 days of account opening.

Enjoy peace of mind with chip-enhanced acceptance, zero fraud liability, emergency card replacement, travel and emergency assistance, extended purchase warranties and 24/7 U.S.-based customer service.

Make mobile purchases with compatible Apple®, Android® or Samsung® phones.

Learn More

at Tompkins Community Bank's secure site

Tompkins Community Bank College Rewards Visa® Credit Card Pros & Cons

No membership fees

0% intro APR on purchases

0% intro APR on balance transfers

2,500 points initial rewards bonus

High regular APR

Foreign fee

Compare The Tompkins Community Bank College Rewards Visa® Credit Card vs. Popular Alternatives


4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 4.5 Market Comparison 4.2 fees: 4.2 rewards: 4.3 cost: 4.1 Other Features: 5.0	3.9WalletHub Rating WalletHub Rating 3.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.8 Market Comparison 3.8 fees: 5.0 rewards: 3.4 cost: 3.5 Other Features: 5.0	4.8WalletHub Rating WalletHub Rating 4.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.3 Market Comparison 5.0 fees: 5.0 rewards: 5.0 cost: 5.0 Other Features: 5.0
(76)	(577)	(10)
annual fee$0	annual fee$0	annual fee$0
Purchase Intro APR0% for 6 months	Purchase Intro APR0% for 6 months	Purchase Intro APRNot Offered
transfer intro apr0% for 6 months\|Transfer Fee: 3% (min $5)	transfer intro apr10.99% for 6 months\|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*	transfer intro aprNot Offered
Regular APR18.24% - 28.49% (V)	Regular APR17.24% - 26.24% Variable	Regular APR19.24% - 29.24% (V)
rewards rate 1.5 points / $1	rewards rate 1 - 5% Cash Back	rewards rate 1 - 8% Cash Back
bonus offer2,500 points	bonus offerNone	bonus offer $50
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about Tompkins Community Bank College Rewards Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

What is the Tompkins Community Bank College Rewards Visa Credit Card credit score requirement?

Chip Lupo, Credit Card Writer

The Tompkins Community Bank College Rewards Visa® Credit Card is available to people with limited credit. That means you do not need to have a credit score to get approved for the Tompkins Community Bank College Rewards Visa® Credit Card.

Note that there are plenty of other things that will impact your chances of being approved for the Tompkins Community Bank College Rewards Visa® Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status. You can check your credit score for free on WalletHub.

Tompkins Community Bank College Rewards Visa® Credit Card Reviews

Share your insights and review for the Tompkins Community Bank College Rewards Visa® Credit Card

What's Your Rating?

+ 76 WalletHub users submitted a rating without writing a full review

Important Disclosures

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Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.

WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.

Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: Total Visa® Card and Tompkins Community Bank College Rewards Visa® Credit Card.

Offer last updated: Sep 25th, 2025 at 07:40 ET

Tompkins Community Bank College Rewards Visa® Credit Card

Tompkins Community Bank College Rewards Visa® Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Tompkins Community Bank College Rewards Visa® Credit Card's Additional Info

Tompkins Community Bank College Rewards Visa® Credit Card Pros & Cons

Compare The Tompkins Community Bank College Rewards Visa® Credit Card vs. Popular Alternatives

Questions & Answers

What is the Tompkins Community Bank College Rewards Visa Credit Card credit score requirement?

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Tompkins Community Bank College Rewards Visa® Credit Card Reviews

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Important Disclosures

2025 WalletHub Awards

People Also Apply For

Related Credit Card Categories