The University of South Alabama Credit Card is pretty good bonus rewards credit card for University of South Alabama 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 a “good” credit score to get approved. For the best odds, consider that to mean a score of 700 or higher.
The best things about the South Alabama Credit Card are its $0 annual fee and its rewards-earning rate: 1 - 3 points / $1. The amount you earn depends on what you buy. Paying for ridesharing services with the South Alabama Card will get you 3 points per $1 spent, as will purchases made from coffee shops and fast food restaurants. Plus, every $1 you spend at gas stations and restaurants earns you 2 points per $1. All other purchases provide 1 point per $1. And those points are redeemable for cash back at a rate of 1 cent per 1 point.
The worst things about the University of South Alabama Credit Card are its unattractive APRs 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 South Alabama Card, we’ll highlight some of its most important features below.
University of South Alabama Credit Card Review Highlights:
- $0 annual fee. The average credit card offer has an annual fee of about $20.
- No initial bonus. The average credit card with an initial bonus offers roughly $200 or 22,000 points/miles.
- 1 - 3 points / $1. Credit cards with rewards points offer an average of 1.18 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.
- Regular APR of 15.24% - 25.24% (V). The average APR on credit card offers right now is 18.61%.
- 2% foreign transaction fee. The average credit card offer has a foreign fee of 1.45%, 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 South Alabama Credit Card is specific to the actual University of South Alabama, unfortunately. There is vague language online about how the card may help support the school but no specifics. Plus, the card’s rewards seem geared toward young adults, yet applicants need an established-adult credit score to get approved for an account.
If you are currently a student at the University of South Alabama, 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 cardholders can customize