The University of Montana Credit Card is a pretty good bonus rewards credit card for University of Montana alumni, faculty, supporters and students with above-average credit. Although this card is affiliated with a school, it is not a “student” credit card, and applicants need at least “good” credit to qualify. We estimate that you’ll need a score of 700 or higher to have good odds of being approved.

The best things about the Montana Credit Card are its $0 annual fee and its rewards-earning rate (1 - 3 points per $1 spent). The amount you earn depends on what you buy, but you’ll earn bonus rewards on purchases from rideshare companies, streaming services, cable providers, gas stations and restaurants. Those points are also redeemable for cash back at a rate of 1 cent per 1 point.

The worst things about the University of Montana Credit Card are its unattractive APR and lack of an initial rewards bonus. As a result of those drawbacks, you’d better plan to pay your bill in full every month, and you may want to consider using another card or two in addition to this one, if you decide to apply. 

To help you decide whether or not to apply for the Montana Card, we’ll highlight some of its most important features below.

Key Things to Know About the University of Montana Credit Card

• $0 annual fee. The average credit card offer in our database of 1,500+ cards has an annual fee of $25.22.
• No initial bonus. The average credit card with an initial bonus will give you $229 or 34,060 points/miles.
• 1 - 3 points / $1. Credit cards with rewards points offer an average of 1.2 points per $1 spent.
• Intro purchase APR of 1.99% for 6 months. Credit cards with low introductory APRs currently offer 0% on new purchases for the first 11 months, on average.
• Good credit or better needed for approval. If you don't know how good your credit is, you can check your latest credit score for free here on WalletHub.
• Regular APR of 19.24% - 29.24% (V). The average APR on credit card offers right now is 22.73%.
• 2% foreign transaction fee. The average credit card offer has a foreign fee of 1.57%, which applies to purchases processed outside the U.S. There is a growing number of credit cards with no foreign transaction fees, however.

Very little about the Montana Credit Card is specific to University of Montana, unfortunately. Plus, the card’s rewards seem geared toward young adults, yet applicants need above-average credit to get approved for an account.

If you are currently a student at the University of Montana, we recommend applying for one of our editors’ picks for the best student credit cards available right now.

For everyone else, the best approach is to compare credit card offers in order to find the card that will save you the most money, regardless of what the card itself looks like. Besides, there are plenty of credit cards whose appearance you can customize.